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Click here to view the Full Group Insurance Policy
The benefits arranged under this insurance trust are provided strictly under the terms of insurance policies taken out and owned by the Trust. Copies of the policies are available to view at the Police Federation Office. Subscription to the Trust entitles the member to the benefits provided by the Trust but confers no ownership of any of the underlying policies, which are vested in the Trustees.
Where two members are cohabiting spouse/partners and both paying the full member subscription, a reduction of £3.80 per month for ONE member is available. This is due to the duplication of the family benefits of travel insurance, Red Arc Assistance, Home Emergency Assistance and sections of the Legal Expenses. To apply for this discount, please contact the Federation Office.
Benefits are in accordance to the membership category which is applicable
The Benefit is payable in the event of a Beneficiary making an overnight stay in a hospital in the United Kingdom provided that such hospitalisation occurs as a result of an Accident or Emergency. Benefit will be payable for up to five consecutive nights.
B) Planned Admission
The Benefit is payable in the event of a Beneficiary making an overnight stay in a Hospital in the United Kingdom provided that such hospitalisation occurs as a result of an illness or injury which does not qualify under (A) Unplanned Admission. No Benefit will be paid for any hospital stay for the first three nights or less. The benefit payable is subject to a maximum of five consecutive nights. This applies per hospital stay. An overnight stay shall mean that the Beneficiary remains in a Hospital bed in a ward or intensive care unit between midnight and 7 am the following morning.
B) On the happening of an Accident giving rise to a claim for 100% of the amount for any of the Benefits for Accidental loss of use or Permanent Total Disablement this Insurance will not cover any further Accidents to that Beneficiary.
C) Sick Pay Benefit shall not be payable in respect of any Insured Person who had ceased to be eligible for the scheme prior to the Accident or illness giving rise to the claim.
D) Loss of Limb or Eye or speech or hearing must be proved to the reasonable satisfaction of the Company to be permanent and without expectation of recovery before the Company will pay the Benefit.
E) Permanent Total Disablement must be proved to the reasonable satisfaction of the Company to be permanent and without expectation of recovery and any claim for weekly compensation must have been settled in full before the Company will pay the Benefit.
F) the Company will not pay any amount for any Benefit solely because the Insured Person is unable to take part in sports or pastimes.
G) Reg 28 Salary Replacement Benefit shall not be payable if the Beneficiary has been offered recuperative duties with a return to full pay and has declined such duties without reasonable cause.
The Company will not pay any Benefit where bodily injury following an accident is the result of or is contributed to by the following :
The Company will not pay any claim
Further information is available in the full policy document.
We highlight below some of the common questions both ourselves and RED ARC are asked. A summary of the service is provided at the end of this email (or maybe via a link to our / your website). We are just working on updating our website; it's not quite there yet.
Q What is covered under the scheme?
The scheme is primarily to assist individuals with a serious health condition, although there is no specific list. Whilst this can be quite subjective depending in the individual, minor conditions are generally not covered.
Q. Who is covered?
Within the scheme, cover is for all of your immediate family. You MUST be a member of the Group Insurance Scheme.
Q How can I be referred?
There are several ways.
-If a claim is made under the critical illness section of the Group Insurance Scheme, RED ARC will make contact automatically.
-You can self-refer by contacting the number below.
-Your Federation Rep can refer you. If this option is taken, you will need to give specific consent to your Rep before one of the RED ARC Nurses can make contact.
Q What is not covered?
Although we rarely say no, we have agreed with your Federation that RED ARC will not accept general orthopaedic referrals, or requests for general physiotherapy.
Q What can RED ARC do to help?
You will have access to your own Personal Nurse Advisor. They will be a qualified, experienced nurse, with vast knowledge and expertise in the area of your referral. You will have access to your Personal Nurse Advisor for as long as required. Depending on your individual circumstances, your nurse may offer you specialist third party support if appropriate (such as specialist therapies or counselling) tailored to your situation. They will also be able to send you information about your condition, in the form of booklets, leaflets etc.
RED ARC Family Cover
RED ARC is an independent care advisory service specialising in welfare-based added value services.
The diagnosis of a serious health condition such as cancer, a heart attack, stroke or MS invariably means a worrying time for everyone close to the patient. That's the time that you need access to someone who understands your condition and has the time to listen to your concerns and allay your fears. That goes for your spouse, partner and children too. Advice and counselling are also available for other conditions such as disability. The cornerstone of the RED ARC service is the Personal Nurse Adviser - highly experienced, registered nurses who will be the focal point for you and your family and tailor the support you need to your particular circumstances.
Your Personal Nurse Adviser will be available to you by telephone in normal business hours, and will be able to provide information and support for as long as you need it. Where appropriate, they may commission additional services such as a one off visit by a specialist nurse, therapy or counselling.
RED ARC can also provide information about charities specialising in your particular health condition, and can often direct you to self-help groups that will help you come to terms, and cope better, with your problem. Home adaptation and special equipment to aid everyday living are other important areas where we can provide guidance.
The RED ARC service is free of charge and confidential. If you think you may be eligible you should ring RED ARC on 01244 625183 in normal business hours.
The main sections of cover are:
• Cancellation and curtailment up to £3,000
• Emergency medical expenses up to £5,000,000
• Personal Effects up to £1,500
• Personal Money up to £500
• Public liability up to £2,000,000
• Personal Accident up to £20,000
Other benefits are included. Please see travel policy for full details.
Click here for policy document.
Please quote scheme number LES/256/0631
Arranged by Legal Insurance Management Ltd underwritten by Fortis Insurance UK Ltd
Further information is available in the full policy document.
Further information is available in the full policy document.
Further information is available in the full policy document.
Further information is available in the full policy document.
The benefits arranged under this insurance trust are provided strictly under the terms of insurance policies taken out and owned by the Trust. Copies of the policies are available to view at the Police Federation Office. Subscription to the Trust entitles the member to the benefits provided by the Trust but confers no ownership of any of the underlying policies, which are vested in the Trustees.
Where two members are cohabiting spouse/partners and both paying the full member subscription, a reduction of £3.80 per month for ONE member is available. This is due to the duplication of the family benefits of travel insurance, Red Arc Assistance, Home Emergency Assistance and sections of the Legal Expenses. To apply for this discount, please contact the Federation Office.
Benefits are in accordance to the membership category which is applicable
Life Insurance
On death of a member or cohabiting partner who are covered under the Trust the cash benefit detailed in the current benefits table becomes payable. The scheme is written in Trust so that if a member dies, the proceeds can be paid, by the Trustees, to the member's dependants quickly, free of tax and without having to wait for probate. Members should ensure that they have an up-todate beneficiary nominated and have lodged the details with the Federation Office, to assist the Trustees in the event of a claim. If a beneficiary aged 63 or under receives a terminal prognosis of 12 months or less, they may apply to the Trustees for an advance of the life insurance of 20% of the relevant sum insured.Child Death Grant
This benefit is paid upon the death of a dependent child of a member, aged between 6 months and 17 years.Permanent Total Disablement
Permanent Total Disablement such that the Beneficiary is unable to perform any gainful employment and such that the Beneficiary is unable to exist independently and requires continual supervision and frequent attention of a third party for the activities of daily living. Such disability must be established for a continuous period of twelve calendar months before benefit can be paid.Accidental Loss of Use Benefit
This benefit is payable should the Beneficiary suffer a permanent loss of sight of one or two eyes, the use of one or more limbs at or above the wrist or ankle or the permanent total loss of hearing or speach. This benefit is payable only if the loss of use occurs as the result of an accident occurring during the currency of this policy. This policy also covers infection with Human Immunodeficiency Virus as a result of an incident occurring whilst on police duty. Such incident must have been documented at the time of the occurrence.Temporary Total Disablement (including Post Traumatic Stress Disorder)
This benefit is payable as a result of an accident that results in the temporary and total disablement of a Beneficiary. A member will be considered temporarily totally disabled if the member is unable to perform the usual police duties. Benefit will also be paid under this section if a member suffers Post Traumatic Stress Disorder as a result of attending an incident on police duty. Such Post Traumatic Stress Disorder must be the clear result of a single incident that was documented in the police records and be of sufficient severity to prevent the performing of the duties of a police officer. The benefit will be paid for a maximum of 104 weeks, excluding the first 7 days. Benefit ceases on return to duty or discharge from the police service.Hospitalisation Benefit
A) Unplanned AdmissionThe Benefit is payable in the event of a Beneficiary making an overnight stay in a hospital in the United Kingdom provided that such hospitalisation occurs as a result of an Accident or Emergency. Benefit will be payable for up to five consecutive nights.
B) Planned Admission
The Benefit is payable in the event of a Beneficiary making an overnight stay in a Hospital in the United Kingdom provided that such hospitalisation occurs as a result of an illness or injury which does not qualify under (A) Unplanned Admission. No Benefit will be paid for any hospital stay for the first three nights or less. The benefit payable is subject to a maximum of five consecutive nights. This applies per hospital stay. An overnight stay shall mean that the Beneficiary remains in a Hospital bed in a ward or intensive care unit between midnight and 7 am the following morning.
Sick Pay Benefit (Regulation 28 cover)
If a member suffers a pay cut under regulations or terms of employment, the benefits illustrated on the scheme benefits table will become payable.Conditions applicable to Personal Accident Benefits
A) The Company will not pay in respect of any one Beneficiary, more than one of the Benefits under the Accidental loss of use benefit and Permanent Total Disablement in connection with the same Accident.B) On the happening of an Accident giving rise to a claim for 100% of the amount for any of the Benefits for Accidental loss of use or Permanent Total Disablement this Insurance will not cover any further Accidents to that Beneficiary.
C) Sick Pay Benefit shall not be payable in respect of any Insured Person who had ceased to be eligible for the scheme prior to the Accident or illness giving rise to the claim.
D) Loss of Limb or Eye or speech or hearing must be proved to the reasonable satisfaction of the Company to be permanent and without expectation of recovery before the Company will pay the Benefit.
E) Permanent Total Disablement must be proved to the reasonable satisfaction of the Company to be permanent and without expectation of recovery and any claim for weekly compensation must have been settled in full before the Company will pay the Benefit.
F) the Company will not pay any amount for any Benefit solely because the Insured Person is unable to take part in sports or pastimes.
G) Reg 28 Salary Replacement Benefit shall not be payable if the Beneficiary has been offered recuperative duties with a return to full pay and has declined such duties without reasonable cause.
Exclusions to Personal Accident
The Company will not pay any Benefit where bodily injury following an accident is the result of or is contributed to by the following :
-
1. The member committing or attempting to commit suicide or as a result of a self inflicted injury
2. The member engaging in a Hazardous Activity (as defined in the master policy)
3. Illness or disease (other than resulting from bodily injury following an accident)
4. Any gradually operating cause
General Policy Exclusions
The Company will not pay any claim
-
1. which is directly or indirectly as a result of War in Britain
2. after the expiry of the Period of Insurance in which the member attains the age of 65 years
3. which is directly or indirectly as a result of a breach of the law by the member
Critical Illness
In the event of a Beneficiary surviving 28 days after the date of Diagnosis of one of the following Critical Illnesses provided that at the date of Diagnosis the claimant was an Eligible Beneficiary. Benefit will not be payable in respect of a claim arising within two years of entry into the Scheme, which in the opinion of the Company's Chief Medical Officer, results directly or indirectly from a condition for which the Beneficiary had previously received treatment, or of which they were aware at the commencement of this cover. Eligible dependent unmarried children of the member must be aged between 6 months and 17 years at first diagnosis.Further information is available in the full policy document.
RedArc
RED ARC are one of the key components of our Group Insurance Scheme, and many members have used the service, and we continue to receive fabulous feedback about the service they provide to us. The purpose of this short email is to emphasise the benefits for those who have not used the scheme before.We highlight below some of the common questions both ourselves and RED ARC are asked. A summary of the service is provided at the end of this email (or maybe via a link to our / your website). We are just working on updating our website; it's not quite there yet.
Q What is covered under the scheme?
The scheme is primarily to assist individuals with a serious health condition, although there is no specific list. Whilst this can be quite subjective depending in the individual, minor conditions are generally not covered.
Q. Who is covered?
Within the scheme, cover is for all of your immediate family. You MUST be a member of the Group Insurance Scheme.
Q How can I be referred?
There are several ways.
-If a claim is made under the critical illness section of the Group Insurance Scheme, RED ARC will make contact automatically.
-You can self-refer by contacting the number below.
-Your Federation Rep can refer you. If this option is taken, you will need to give specific consent to your Rep before one of the RED ARC Nurses can make contact.
Q What is not covered?
Although we rarely say no, we have agreed with your Federation that RED ARC will not accept general orthopaedic referrals, or requests for general physiotherapy.
Q What can RED ARC do to help?
You will have access to your own Personal Nurse Advisor. They will be a qualified, experienced nurse, with vast knowledge and expertise in the area of your referral. You will have access to your Personal Nurse Advisor for as long as required. Depending on your individual circumstances, your nurse may offer you specialist third party support if appropriate (such as specialist therapies or counselling) tailored to your situation. They will also be able to send you information about your condition, in the form of booklets, leaflets etc.
RED ARC Family Cover
RED ARC is an independent care advisory service specialising in welfare-based added value services.
The diagnosis of a serious health condition such as cancer, a heart attack, stroke or MS invariably means a worrying time for everyone close to the patient. That's the time that you need access to someone who understands your condition and has the time to listen to your concerns and allay your fears. That goes for your spouse, partner and children too. Advice and counselling are also available for other conditions such as disability. The cornerstone of the RED ARC service is the Personal Nurse Adviser - highly experienced, registered nurses who will be the focal point for you and your family and tailor the support you need to your particular circumstances.
Your Personal Nurse Adviser will be available to you by telephone in normal business hours, and will be able to provide information and support for as long as you need it. Where appropriate, they may commission additional services such as a one off visit by a specialist nurse, therapy or counselling.
RED ARC can also provide information about charities specialising in your particular health condition, and can often direct you to self-help groups that will help you come to terms, and cope better, with your problem. Home adaptation and special equipment to aid everyday living are other important areas where we can provide guidance.
The RED ARC service is free of charge and confidential. If you think you may be eligible you should ring RED ARC on 01244 625183 in normal business hours.
Family Travel Policy
This policy covers the member, their partner and dependant children under 21 years of age , all normally residing together in their family home. For any number of trips in any year up to 31 days per trip. It covers travel worldwide and also in the United Kingdom.The main sections of cover are:
• Cancellation and curtailment up to £3,000
• Emergency medical expenses up to £5,000,000
• Personal Effects up to £1,500
• Personal Money up to £500
• Public liability up to £2,000,000
• Personal Accident up to £20,000
Other benefits are included. Please see travel policy for full details.
Click here for policy document.
Legal Helpline
There is a 24 hour legal helpline and this can be contacted on 0844 800 0129 for initial advice and further instructions in how to make a claim.Please quote scheme number LES/256/0631
Arranged by Legal Insurance Management Ltd underwritten by Fortis Insurance UK Ltd
Identity Theft Helpline
You must contact the identify theft helpline on 01384 377000 quoting LES/256/0631 before you pay or agree to pay any costs. Failure to do so may lead us to decline your claim. We will give you a dedicated case manager who will assist you in identifying the extent of your problem. They will offer advice, guidance, and assist in the preparation of documentation to ensure the extent of your problem and any potential losses are minimized.Further information is available in the full policy document.
Emergency and Injury Dental Benefits (Key Dental Cover)
Key Dental Cover from Denplan provides you with cover for treatment necessary as a result of a dental injury or emergency anywhere in the world.Further information is available in the full policy document.
Home Emergency Assistance
Home Emergency Insurance is a cost-effective insurance product that provides immediate assistance in the event of a domestic emergency. Home emergencies can be stressful and sometimes difficult to resolve, but with Home Emergency Insurance you will have peace of mind knowing that we are with you every step of the way, by not only appointing a suitably qualified contractor to attend your home but also meeting the costs associated with this.Further information is available in the full policy document.
SUPPLEMENTARY 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 spouse / partner.Further information is available in the full policy document.