MERSEYSIDE POLICE FEDERATION - GROUP INSURANCE SCHEME SCHEME BENEFITS
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
MERSEYSIDE
POLICE FEDERATION
GROUP INSURANCE SCHEME
SCHEME BENEFITS
Effective from 1 April 2018
USEFUL TELEPHONE NUMBERS
Federation Office 0151 259 2535
Worldwide Travel Insurance Policy Number MT18/1092
24hr Emergency Assistance +44 (0) 20 7183 3751
Non-Emergency Claims 0330 660 0549
Motor Breakdown Cover (UK) 01384 884 086
Home Emergency 0333 000 7808
Legal Expenses 01384 887 597
(quote LES/256/1415)
RedArc 01244 625 180
Philip Williams and Company 01925 604 421
2 Police Federation Group Insurance Scheme
SERVING MEMBER BENEFITS
SERVING MEMBER AGED UNDER 65
Life Insurance £100,000
Terminal Prognosis advance on life insurance* 20% of sum insured
Permanent Total Disablement (due to accident) £100,000
Accidental Loss of Use Benefit £60,000
Infection of HIV on duty £60,000
Critical Illness £10,000
Child Critical Illness £2,000
Child Death Grant £2,000
RedArc Member only
Hospitalisation Benefit up to 5 nights
Accident/incident/emergency admission £50 per night
Planned admission after first 3 nights £50 per night
Sick Pay Benefit (when pay cut to half) up to 26 weeks 15% Scale Pay
Then a further 4 weeks when on no pay 20% Scale Pay
Family Travel Policy Worldwide
Legal Expenses including ID Theft Protection Included
Dental Injury and Emergency Member & Partner
Home Emergency Assistance Included
Financial Advice with Kinsella Clarke Included
Motor Breakdown Cover (UK) Member & Partner
CALENDAR MONTHLY PREMIUM £31.20
COHABITING PARTNER AGED UNDER 65
Life Insurance £50,000
Terminal Prognosis Advance on life insurance* 20% of sum insured
Critical Illness £5,000
RedArc Partner & Children
CALENDAR MONTHLY PREMIUM £6.75
The price includes an additional contribution to the Insurance Trusts to pay for administration of the scheme and other member benefits as
determined by the Scheme Trustees
*Terminal Prognosis Advance only available for members aged 63 and under
Police Federation Group Insurance Scheme 3
RETIRED MEMBER BENEFITS RETIRED MEMBER AGED UNDER 60 Life Insurance £50,000 Terminal Prognosis Advance on life insurance 20% of sum insured Permanent Total Disablement (due to accident) £10,000 Accidental Loss of Use Benefit £5,000 Critical Illness £5,000 Child Critical Illness £1,000 RedArc Member only Family Travel Policy Worldwide Legal Expenses including ID Theft Protection Included Dental Injury and Emergency Member & Partner Home Emergency Assistance Included Motor Breakdown Cover (UK) Member & Partner CALENDAR MONTHLY PREMIUM £36.75 RETIRED MEMBER AGED 60–64 Life Insurance £25,000 Terminal Prognosis Advance on life insurance* 20% of sum insured Permanent Total Disablement (due to accident) £10,000 Accidental Loss of Use Benefit £5,000 Critical Illness £5,000 Child Critical Illness £1,000 RedArc Member only Family Travel Policy Worldwide Legal Expenses including ID Theft Protection Included Dental Injury and Emergency Member & Partner Home Emergency Assistance Included Motor Breakdown Cover (UK) Member & Partner CALENDAR MONTHLY PREMIUM £36.75 RETIRED MEMBER AGED 65–69 Life Insurance £5,000 RedArc Member only Family Travel Policy Worldwide Legal Expenses including ID Theft Protection Included Dental Injury and Emergency Member & Partner Home Emergency Assistance Included Motor Breakdown Cover (UK) Member & Partner CALENDAR MONTHLY PREMIUM £36.75 *Terminal Prognosis Advance only available for members aged 63 and under 4 Police Federation Group Insurance Scheme
COHABITING PARTNER AGED UNDER 60
Life Insurance £25,000
Terminal Prognosis Advance on life insurance 20% of sum insured
RedArc Partner & Children
CALENDAR MONTHLY PREMIUM £8.55
COHABITING PARTNER AGED 60–64
Life Insurance £12,500
Terminal Prognosis Advance on life insurance* 20% of sum insured
RedArc Partner & Children
CALENDAR MONTHLY PREMIUM £8.55
COHABITING PARTNER AGED 65–69
Life Insurance £2,500
RedArc Partner & Children
CALENDAR MONTHLY PREMIUM £8.55
The price includes an additional contribution to the Insurance Trusts to pay for administration of the scheme and other member benefits as
determined by the Scheme Trustees.
*Terminal Prognosis Advance only available for members aged 63 and under
Police Federation Group Insurance Scheme 5IMPORTANT INFORMATION
APPLICABLE TO ALL BENEFITS
This booklet is a summary only. The benefits are subject to certain exclusions and policy conditions not
stated in this booklet which in the event of a claim will be applicable. The benefits are provided strictly
under the terms of the insurance policies taken out by the trustees of the scheme. Subscription to the
scheme entitles the member to the benefits provided by the scheme but confers no ownership of any of
the underlying policies which are vested in the trustees. The trustees retain the full policy wording
detailing all benefits and exclusions which may be viewed on request to the Federation Office.
Applying to join Cohabiting Partner Extensions Retirement from
Serving officers and police staff can Any cohabiting partner extension the Police Service
apply to join the scheme at any time will cease when the member or Serving officers upon retirement
by completing a medical underwriting cohabiting partner reach 70 years may remain in the scheme as a
application form which is available of age whichever is the sooner. Any retired member providing they were
from the Federation Office. The first cohabiting partner cover and/or a member for at least 12 months
three monthly subscriptions are free extension will cease when the prior to retirement. This also applies
of charge when joining the scheme member ceases to be a member to cohabiting partner cover.
for the first time. New recruits to the of the scheme.
police service may join the scheme Individuals are not eligible to join the
without the need for the completion Career breaks, maternity scheme after their retirement date.
of the medical underwriting leave, secondment or living
Transfer, resignation
application form and their first 52 overseas
Those going on a career break, or dismissal
weeks of service are free of charge.
Serving officers who transfer, resign
The Federation and/or Philip Williams maternity leave, secondment or
or are dismissed from the police
& Co reserve the right to decline any are living overseas must contact
service are not eligible to remain in
applications. the Federation Office to identify
the scheme and all membership and
if cover can be maintained.
Subscription collection benefits will cease including any
Subscriptions are collected monthly cohabiting partner extension.
by deduction direct from
salary/pension unless that is not Complaints procedure
possible when alternative The Federation Insurance Scheme is arranged on behalf of the trustees by Philip
arrangements may be agreed. Williams and Company who are authorised and regulated by the Financial
Monthly subscription payments Conduct Authority (Registration Number 308860). The trustees are responsible
must be maintained in order to for organising the policies and dealing with the insurance broker. Any complaints
remain a member of the scheme about any aspect of the scheme should in the first instance be directed to the
and to qualify for any benefits. Federation Office. The insurance broker will then be asked to investigate the
complaint and resolve any matter either via the Federation Office, directly
Insurers with the member, or through the appropriate underwriting organisation.
A list of the insurers is available
on request. Full policy wordings Please contact the Federation Office by telephone on:
for certain policy sections are
available to download via QR codes. 0151 259 2535
These may also be available at the Or simply write, giving details of your complaint to: Office Manager, Merseyside
Federation Office, on the Federation Police Federation, Malvern House, 13 Green Lane, Tuebrook, Liverpool, L13 7DT
Website or by visiting the Group
Scheme section of Should you remain dissatisfied then you may ask the Financial Ombudsman to
www.philipwilliams.co.uk investigate your complaint. Please contact the Financial Ombudsman Service
by telephoning 0300 123 9123 or by downloading the complaint form from
How to cancel your cover www.financial-ombudsman.org.uk
In the event that you need to cancel
your cover, please submit a letter
with a signature on to the
Federation Office.
6 Police Federation Group Insurance SchemeEXPLANATION OF BENEFITS
Life insurance Hospitalisation Benefit
On death of a member or subscribing cohabiting - Payable when admitted as an in-patient
partner the cash benefit detailed in the current to hospital between midnight and 07.00
benefits table will be paid. The policy is written in Trust - Unplanned admission arising from accident
so that if a member dies, the proceeds can be paid, by or emergency, payable from first night
the Trustees, to the member's dependants quickly - Planned admission payable after three nights
free of tax and without having
Infection of HIV on duty
to wait for probate. Members should ensure that they
Cover is provided for serving officers only. If, as
have an up-to-date beneficiary nominated and have
a result of a documented duty related incident
lodged the details with the Federation Office, to assist
you become infected with HIV, a benefit payment
the Trustees in the event of a claim. If a member aged
will be made.
63 or under receives a terminal prognosis of 12
months or less, they may apply to the Trustees for Sick Pay Benefit (Regulation 28 cover)
an advance of the death benefit of 20% of the If a member suffers a reduction in pay under Police
relevant sum insured. Regulations or terms of employment, the benefits
shown will become payable. The benefit ceases on
Permanent Total Disablement
return to work or if the member retires, resigns, is
Payable when a member is unable to perform
discharged from the police service, or fails to pay the
any gainful employment and is unable to exist
monthly scheme subscription. In addition the benefit
independently, requiring continual supervision for
shall not be payable if the member has been offered
activities of daily living, as a result of an accident.
reasonable adjusted duties with a return to full pay and
Accidental Loss of Use Benefit has declined such duties without reasonable cause.
Benefits paid in the event of:-
Please note: Any overpayment due to a reversal in the
- Permanent loss of sight in one or both eyes
decision by Merseyside Police which results in a
- Permanent loss of use of one or more limbs
resumption of pay (including any back payment) or
- Permanent total loss of hearing in one or
due to a failure by the member to inform the insurers
both ears
of a return to work must be repaid in a prompt and
- Permanent total loss of speech
timely manner.
Child Death Grant
This benefit is paid upon the death of a dependant child
of a member, aged between 6 months and 17 years.
Dental injury and Emergency
This policy provides cover for Dental Expenses in the
event of:
- Dental Injury
- Emergency Dental Treatment
- Dentist Call-out Fees
- Hospitalisation
- Mouth Cancer
Definitions are shown in the full policy wording.
Making a Dental Claim
No prior authorisation is required. Undergo the
treatment, pay the dentist direct, and subsequently
submit a claim. Please ensure that proof of treatment
and receipts of costs are obtained. Claim forms are
available from the Federation Office.
Police Federation Group Insurance Scheme 7Supplementary Life Insurance
The option to purchase additional (Top Up) life insurance cover is available to existing subscribing members of the
scheme only, we invite you to consider the options to increase your life cover for both yourself and your cohabiting
partner.
Serving Member (aged under 65)
Additional £25,000 £5.25 per pay period
Additional £50,000 £10.50 per pay period
Cohabiting Partner (aged under 65)
Additional £12,500 £2.65 per pay period
Additional £25,000 £5.25 per pay period
The additional Life Insurance cover is payable by payroll deduction and ceases upon the members retirement or
reaching the age of 65, whichever is the sooner. Please contact the Federation Office to apply.
Documents can be downloaded
by visiting the Group Scheme
section of our website
www.philipwilliams.co.uk
or by scanning the QR code.
8 Police Federation Group Insurance SchemeCRITICAL ILLNESS
The scheme benefits will be payable if a member, member's subscribing cohabiting partner or their
child, aged from 30 days to 17 years, suffers from an insured illness and survives for more than 14
days from the date of diagnosis or surgery.
- Alzheimers Disease - Loss of Speech
- Angioplasty - Loss of a Hand or Foot
- Aorta Graft Surgery - Major Organ Transplant
- Aplastic Anaemia - Motor Neurone Disease
- Bacterial Meningitis - Multiple Sclerosis
- Benign Brain Tumour - Paralysis of Limbs
- Blindness - Parkinson’s Disease
- Cancer - Primary Pulmonary Hypertension
- Cardiomyopathy - Progressive Supranuclear Palsy
- Coronary Artery By-pass Graft - Pulmonary Artery Surgery
- Coma - Respiratory Failure
- CJD - Rheumatoid Arthritis
- Deafness - Stroke
- Dementia/Pre-senile Dementia - Terminal Illness
- Encephalitis - Third Degree Burns
- Heart Attack - Total & Permanent Disability
- Heart Valve Replacement/Repair - Traumatic Brain Injury
- Hep B / HIV Infection
Please refer to the policy wording for full definitions of
- Kidney Failure
the illnesses covered.
- Liver Failure
Documents can be downloaded
by visiting the Group Scheme
section of our website
www.philipwilliams.co.uk
or by scanning the QR code.
Police Federation Group Insurance Scheme 9REDARC A telephone support service which provides access to a Personal Nurse Adviser in the event of: - Serious Illness - Bereavement - Long Term Disability - Stress - Telephone Support for people when discharged from hospital Covered individuals This cover is provided for: - Serving members - Retired members - Cohabiting Partners and children of serving and retired members (only if additional cohabiting partner subscription paid) Your Personal Nurse Adviser will be able to assist with: - Help in understanding the condition and all its implications - Explain options for treatment - Help to prepare for consultants appointment - Explain medical terms in simple everyday language - Help families to cope with consequences of illness - Information and advice on home adaptations/specialist equipment - Source suitable equipment & medical aids - Provide information on entitlements from NHS - Helping you to make as speedy a recovery as possible by providing suitable information and helping to navigate into the appropriate services - Provide good long term management of your condition - Simply a listening ear when you are feeling low, or want to talk to someone who is not emotionally involved At the discretion of the nurse, when clinically necessary in certain circumstances, they may be able to arrange extra help. The RedArc service is free of charge and confidential. If you think you may be eligible you should ring RedArc on 01244 625 180 in normal business hours. This service is confidential, however you will be asked to provide the members Collar Number (or Employee Number for Police Staff) for membership verification purposes. 10 Police Federation Group Insurance Scheme
FAMILY TRAVEL POLICY
This policy covers the member, their cohabiting partner and Main conditions and exclusions
any number of their unmarried dependant children under 18 The policy will not cover you if any of
years or 23 years if in full time education, all normally resident the following apply to you, a
in the family home, for any number of trips in any year up to travelling companion, an immediate
relative, close business associate or
60 days per trip. It covers travel worldwide and also in the
someone upon whom your trip
United Kingdom. depends whether they are travelling
The main sections of cover are: with you or not (including any third
- Cancellation and curtailment up to £5,000 party with whom you may be
staying on your trip)
- Emergency medical expenses up to £10,000,000
1. You/they were aware of any
- Personal Baggage up to £1,500
reason why the trip could be
- Personal Money up to £500 cancelled or curtailed.
- Public liability up to £2,000,000 2. You/they were travelling against
- Personal Accident up to £20,000 the advice of a medical practitioner
or in order to get medical treatment
Other benefits are included. Please see travel policy for full details. abroad.
3. You/they have been diagnosed as
In the case of medical emergency please having a terminal illness.
contact our nominated emergency service on If there is any change in a person’s
health between the date the policy is
+44 (0) 20 7183 3751 issued and the start date of a trip
Email: assistance@mstream.co.uk
you must still comply with the
Please quote MT18/1092 Health Warranty.
Other claims should be reported to An excess of £50 is applicable for
the claims service on most policy sections. The excess is
0330 660 0549 payable per person, per section, per
insured incident subject to a
(9am–5pm Mon–Fri) maximum of £100.
Email: claims@mstream.co.uk
There are significant limitations and
exclusions of cover for property,
STRANDED PASSENGER SERVICE including valuables and money, that
Access Executive Lounges if your flight is delayed is left unattended or out of your
for more than two hours. Pre-Registration is immediate control and supervision.
required more than 24 hours before you fly. Please also note the requirements
for notifications of loss/theft and
Scan the QR code or visit: the need for reports.
https://cloud.sdxmessaging.com/vault/philipwilliams/benefits.html
Full policy terms and conditions have
to register using PIN 2487.
been made available. If you require
Please note that this service relies upon airlines publishing their schedules further copies please contact the
to a flight tracking system in advance. This service may not be available Federation Office.
for some charter flights. In the event of a flight not being registered, this
service will not be available. The majority of flights will be registered.
Documents can be downloaded
by visiting the Group Scheme
section of our website
www.philipwilliams.co.uk
or by scanning the QR code.
Police Federation Group Insurance Scheme 11LEGAL EXPENSES
Some important facts about the Professional Fees policy are summarised below. This summary
does not describe all of the terms and conditions of the policy. All references below to the cover
provided are contained within the full policy wording. Please note that a full policy wording is
available for your inspection at the Federation Office upon request.
Beneficiary/beneficiaries
In respect of Sections 3, 4, 11, 12, 13, 14, and 15 the Member
In respect of Section 1, 9 and 16 the Member and the Member’s cohabiting partner
In respect of Sections 2, 5, 6, 7, 8, 10, 17, 18, and 19 the Member and:
i) the Member’s cohabiting partner
ii) children including stepchildren adopted children foster children and grandchildren normally resident with the Member
iii) the parents and grandparents of the Member and the Member’s cohabiting partner normally resident with the
Member.
Section of cover
1. Criminal Prosecution Defence 10. Employment
(£185,000) (£100,000)
2. Personal Injury 11. Fund Trustee Defence
(£100,000) (£100,000)
3. Residential Protection 12. Representation at Public Enquiries
(£100,000) (£100,000)
4. Peaceful Occupation 13. Independent Police Complaints
(£100,000) Commission Investigations
5. Consumer Protection (£100,000)
(£100,000) 14. Disciplinary Hearings
6. Data Protection (£20,000)
(£100,000) 15. Bankruptcy
7. Uninsured Loss Recovery & Motor Prosecution Defence (£1,000)
(£100,000 but limited to £2,500 in providing representation 16. Education
following the seizure of a vehicle as a result of incorrect (£100,000)
information being on the Motor Insurance Database and £5,000 17. Taxation
for Motor Defence claims) (£100,000)
8. Discrimination 18. Identity Theft
(£100,000) (£100,000)
9. Probate 19. Assistance
(£100,000)
Legal helpline
There is a 24 hour legal helpline and this can be contacted on
01384 887 597
for initial advice and further instructions in how to make a claim.
Please quote scheme number LES/256/1415
Identity Theft Assistance and Claims 01384 377000
Documents can be downloaded
Arranged by Legal Insurance Management Ltd.
by visiting the Group Scheme
section of our website
www.philipwilliams.co.uk
or by scanning the QR code.
12 Police Federation Group Insurance SchemeHOME EMERGENCY ASSISTANCE
With one call an approved contractor will come to your home and Insured events
make emergency repairs. Our cover includes all of the following - Breakdown of the main heating
domestic emergencies: system (for boiler cover, boilers
must be less than 15 years old)
Cover is provided 24 hours a day, 365 days a year:
- Plumbing and drainage problems
Emergency Costs - Damage which affects the security
a) The contractor’s call-out charge of the home, including locks and
b) Contractor’s necessary labour up to three hours windows
c) Parts and materials up to £150 and where necessary - Breakage or failure of the toilet unit
d) Alternative Accommodation costs up to £500 - Loss of domestic power supply
e) Up to 3 claims per insured event in any policy year - Lost keys
The maximum payable by the insurer is £1,000 for all claims related by - Vermin infestation
time or original cause. - Roof damage
Home Emergency
A sudden unexpected event which clearly requires immediate action in
order to:
a) prevent damage or avoid further damage to the home, and/or
b) render the home safe or secure, and/or
c) restore the main services to the home, and/or
d) alleviate any health risk.
Claims Helpline 0333 000 7808
An excess of £25 is payable per claim.
Please Note - If you have a Home Insurance policy with Police Mutual, you can claims for Home Emergencies
through their policy with NO EXCESS PAYABLE.
Documents can be downloaded
by visiting the Group Scheme
section of our website
www.philipwilliams.co.uk
or by scanning the QR code.
Police Federation Group Insurance Scheme 13UK MOTOR BREAKDOWN
Comprehensive motor breakdown cover Covered Vehicle
for you and your partner including: The car, motorcycle, campervan, motorhome (including
- Roadside Assistance/Recovery domestic vans up to 3.5 tonnes), or car-derived van
- Home Assist which You or your cohabiting partner are travelling in/
- Alternative Travel on at the time of the Breakdown including any towed
- Emergency Overnight Accommodation caravan or trailer of a proprietary make which is fitted
- Misfuel Assist with a standard towing hitch and doesn’t exceed 7
- Lack of Fuel metres/23 feet (not including the length of the Aframe
- Message Service and hitch).
- Caravans & Trailers
Any claim will be validated with the Police Federation,
- Keys
or other such administrative organisation, with costs
Your Cover for any claims from non-eligible persons being the
If a Vehicle in which you or your cohabiting partner are responsibility of the claimant.
travelling suffers a Breakdown due to a mechanical or Cover will apply during the period of insurance and
electrical failure, flat tyre, lack of fuel, misfuel, within the territorial limits. There is no age limit to the
Accident, theft, vandalism or fire, service will be vehicle for breakdowns occurring in the UK.
provided. We will provide cover for any Breakdown in
accordance with the policy wording. Short Term European Discount
If you require cover for a trip to Europe, a discounted
How to make a claim policy is available by visiting
Call the 24 hour Control Centre on www.startrescue.co.uk/european. An additional 15%
01384 884 086 discount is available from the stated rates by entering
the code POLICEFED0115 towards the end of the
Please have the name of the covered member, your purchase process.
return telephone number, vehicle registration number
and precise location available when requesting
assistance.
Documents can be downloaded
by visiting the Group Scheme
section of our website
www.philipwilliams.co.uk
or by scanning the QR code.
14 Police Federation Group Insurance SchemeBupa Healthcare
with you in mind
The Philip Williams
& Company Bupa
Healthcare Scheme
offers preferential rates for
eligible police officers, police
staff and their dependants*
• supporting you through cancer‡‡
• getting the help you need faster
• access to over 600 Bupa
accredited hospitals
‡‡
Access to eligible breakthrough cancer drugs and treatments often before they are
available on the NHS or approved by NICE as long as they are evidence-based. With
Bupa cancer cover, there are no time limits and all your eligible treatment costs are
paid in full for as long as you have Bupa Insurance. This is for eligible treatment on
your core health insurance when you use a facility from your chosen Bupa network
and a Bupa recognised consultant who agrees to charge within Bupa limits
(a fee-assured consultant).
Single
You can download the policy
Parent
Compare the monthly rates* summary, details of the cost
Age Single Couple Family Family
and application form here
18–34 £40.19 £80.36 £104.72 £63.31
35–54 £63.31 £126.63 £155.84 £97.40
55–64 £75.49 £150.98 £189.95 £116.88
65+ £170.45 £340.92 £340.92 £267.86
*Available to eligible current and retired police employees. For a couple or family, rates
will be based on the main applicant's age. The annual cost for your policy year will be
given in your quote. Monthly rates shown will be reviewed on 30 November 2018 and any
visit us at
changes will then apply to renewals and new quotes taken out after that date. Quotes
are valid for 14 days. All policies under this scheme renew on 1 December each year www.philipwilliams.co.uk
or call 01925 861 034
and depending on the month you join the scheme, your initial period of cover may not
be a full year and your subscription rates and benefits may change on 1 December each
year. Rates are inclusive of Insurance Premium Tax which may be subject to change. All calls are recorded.
Philip Williams & Company, 35 Walton Road, Stockton Heath, Warrington, Cheshire WA4 6NW
Philip Williams & Company Insurance Management is authorised and regulated by the Financial Conduct Authority for General Insurance mediation activities.
Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and
regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.35 Walton Road, Stockton Heath,
Warrington, Cheshire WA4 6NW
Tel 01925 604 421
Fax 01925 861 351
www.philipwilliams.co.uk
Documents can be downloaded
by visiting the Group Scheme
section of our website
www.philipwilliams.co.uk
Philip Williams and Company are authorised or by scanning the QR code.
and regulated by the Financial Conduct Authority.
PWI1995 02/18 v4You can also read
