MERSEYSIDE POLICE FEDERATION - GROUP INSURANCE SCHEME SCHEME BENEFITS

 
MERSEYSIDE POLICE FEDERATION - GROUP INSURANCE SCHEME SCHEME BENEFITS
MERSEYSIDE
POLICE FEDERATION
GROUP INSURANCE SCHEME

   SCHEME BENEFITS
    Effective from 1 April 2018
MERSEYSIDE POLICE FEDERATION - GROUP INSURANCE SCHEME SCHEME BENEFITS
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
MERSEYSIDE POLICE FEDERATION - GROUP INSURANCE SCHEME SCHEME BENEFITS
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
MERSEYSIDE POLICE FEDERATION - GROUP INSURANCE SCHEME SCHEME BENEFITS
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             5
IMPORTANT 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 Scheme
EXPLANATION 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   7
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 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 Scheme
CRITICAL 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     9
REDARC

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     11
LEGAL 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 Scheme
HOME 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   13
UK 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 Scheme
Bupa 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 v4
You can also read