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GLOUCESTERSHIREPOLICE FEDERATIONGROUP INSURANCE SCHEME

SCHEME BENEFITSEffective from 1 November 2016

2 Police Federation Group Insurance Scheme

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.

USEFUL TELEPHONE NUMBERS

Federation Office 01452 545 142

Worldwide Travel Insurance Policy Number MT 15/1084Emergency Medical Assistance Service (24 hours) +44 (0)20 7183 3751 [email protected]

Non-Emergency Claims 0330 660 0549 [email protected]

Motor Breakdown Cover (UK) 0333 600 7364 (Europe) +44 1206 771 781

Home Emergency 0344 493 2847

Legal Advice Helpline 01384 429 146ID Theft Helpline 01384 377 000Debt Advice Helpline 01384 884 085 (quote LES/256/1590)

Mobile Phone Cover 0344 412 0982

RedArc Plus 01244 625 180

Philip Williams & Company 01925 604 421

Police Federation Group Insurance Scheme 3

SERVING MEMBER TO AGE 65Life Insurance £120,000Terminal Prognosis Advance on Life Insurance* 20% of Sum InsuredPermanent Total Disablement (due to accident) £75,000Accidental Loss of Use Benefit

One eye, limb or hearing in one ear £10,000Two eyes, limbs or hearing in both ears £25,000

Hospitalisation Benefit up to five nightsAccident/incident/emergency admission £40 per nightPlanned admission after first three nights £40 per night

Sick Pay Benefit (up to 52 weeks) 20% Scale PayCritical Illness £15,000Child Critical Illness £3,000Child Death Grant £2,000RedArc Plus Family CoverFamily Travel Policy WorldwideDental Injury & Emergency Member & PartnerHome Emergency Assistance IncludedLegal Expenses and ID Theft Protection IncludedMotor Breakdown Cover (UK and Europe) Member & PartnerMobile Phone Insurance Member & PartnerCALENDAR MONTHLY PREMIUM £26.95

COHABITING PARTNER TO AGE 65Life Insurance £60,000Terminal Prognosis Advance on Life Insurance* 20% of Sum InsuredCritical Illness £5,000Child Critical Illness £1,000CALENDAR MONTHLY PREMIUM £8.00

*Terminal Prognosis Advance only available for members aged 63 and under

SERVING MEMBER BENEFITS

Please note that upon retirement the benefits applicable are shown overleaf.



RETIRED MEMBER BENEFITS

RETIRED MEMBER BENEFITS AGED UNDER 60Life Insurance £55,000Terminal Prognosis Advance on Life Insurance 20% of sum insuredPermanent Total Disablement (due to accident) £10,000Accidental Loss of Use Benefit


Family Travel Policy WorldwideRedArc Plus Family CoverLegal Expenses including ID Theft Protection IncludedDental Injury & Emergency Member & PartnerHome Emergency IncludedMotor Breakdown Cover (UK and Europe) Member & PartnerMobile Phone Insurance Member & PartnerCALENDAR MONTHLY SUBSCRIPTION £27.95

RETIRED MEMBER BENEFITS AGED 60–64 (INCLUSIVE)Life Insurance £27,500Terminal Prognosis Advance on Life Insurance* 20% of sum insuredPermanent Total Disablement (due to accident) £10,000Accidental Loss of Use Benefit


Family Travel Policy WorldwideRedArc Plus Family CoverLegal Expenses including ID Theft Protection IncludedDental Injury & Emergency Member & PartnerHome Emergency IncludedMotor Breakdown Cover (UK and Europe) Member & PartnerMobile Phone Insurance Member & PartnerCALENDAR MONTHLY SUBSCRIPTION £27.95

RETIRED MEMBER BENEFITS AGED 65–69 (INCLUSIVE)Life Insurance £5,000Family Travel Policy WorldwideRedArc Plus Family CoverLegal Expenses including ID Theft Protection IncludedDental Injury & Emergency Member & PartnerHome Emergency IncludedMotor Breakdown Cover (UK and Europe) Member & PartnerMobile Phone Insurance Member & PartnerCALENDAR MONTHLY SUBSCRIPTION £27.95


COHABITING PARTNER AGED UNDER 60 OF RETIRED MEMBERLife Insurance £30,000Terminal Prognosis Advance on life insurance 20% of sum insuredCALENDAR MONTHLY SUBSCRIPTION £8.30

COHABITING PARTNER AGED 60–64 (INCLUSIVE) OF RETIRED MEMBERLife Insurance £15,000Terminal Prognosis Advance on life insurance* 20% of sum insuredCALENDAR MONTHLY SUBSCRIPTION £8.30

COHABITING PARTNER AGED 65–69 (INCLUSIVE) OF RETIRED MEMBERLife Insurance £2,500CALENDAR MONTHLY SUBSCRIPTION £8.30


IMPORTANT INFORMATIONAPPLICABLE TO ALL BENEFITS

Applying to joinServing officers can apply to join thescheme at any time by completing amedical underwriting application formwhich is available from the FederationOffice. The first three monthlysubscriptions are free of charge whenjoining the scheme for the first time.New student officer recruits to thepolice service may join the schemewithout the need for the completionof the medical underwritingapplication form and their first 52weeks of service are free of charge.The Federation and/or Philip Williams& Co reserve the right to decline anyapplications.

Subscription collectionSubscriptions are collected monthlyby deduction direct fromsalary/pension unless that is notpossible when alternativearrangements may be agreed.Monthly subscription paymentsmust be maintained in order toremain a member of the scheme andto qualify for any benefits.

InsurersA list of the insurers is available onrequest. Full policy wordings forcertain policy sections are availableto download via QR codes. Thesemay also be available at theFederation Office, on the FederationWebsite or by visiting the GroupScheme section ofwww.philipwilliams.co.uk

How to cancel your coverIn the event that you need to cancelyour cover, please submit a letterwith a signature on to theFederation Office.

Cohabiting Partner ExtensionsAny cohabiting partner extension willcease when the Serving member orcohabiting partner reach 65 years ofage (70 years for retired members),whichever is the sooner. Anycohabiting partner cover and/orextension will cease when themember ceases to be a member ofthe scheme.

Career breaks, maternityleave, secondment or livingoverseasThose going on a career break,maternity leave, secondment or areliving overseas must contact theFederation Office to identify if cover canbe maintained.

Retirement fromthe Police ServiceServing officers upon retirementmay remain in the scheme as aretired member by submitting acompleted membership continuationform to the Federation Office prior toretirement.

Individuals are not eligible to join thescheme after their retirement date.

Transfer, resignationor dismissalMembers who transfer, resign or aredismissed from the police service arenot eligible to remain in the schemeand all membership and benefits willcease including any cohabitingpartner extension.

Complaints procedureThe Federation Insurance Scheme is arranged on behalf of the trustees byPhilip Williams and Company who are authorised and regulated by theFinancial Conduct Authority (Registration Number 308860). The trusteesare responsible for organising the policies and dealing with the insurancebroker. Any complaints about any aspect of the scheme should in the firstinstance be directed to the Federation Office. The insurance broker willthen be asked to investigate the complaint and resolve any matter eithervia the Federation Office, directly with the member, or through theappropriate underwriting organisation

Please contact the Federation Office by telephone on

01452 545 142Or simply write, giving details of your complaint to The Secretary, PoliceFederation Office, Gloucestershire Constabulary, 6a Kingscroft Road,Hucclecote, Gloucester GL3 3RF.

Should you remain dissatisfied then you may ask the FinancialOmbudsman to investigate your complaint. Please contact the FinancialOmbudsman Service by telephoning 0300 123 9123 or by downloadingthe complaint form from www.financial-ombudsman.org.uk

This booklet is a summary only. The benefits are subject to certain exclusions and policy conditions notstated in this booklet which in the event of a claim will be applicable. The benefits are provided strictlyunder the terms of the insurance policies taken out by the trustees of the scheme. Subscription to thescheme entitles the member to the benefits provided by the scheme but confers no ownership of any ofthe underlying policies which are vested in the trustees. The trustees retain the full policy wordingdetailing all benefits and exclusions which may be viewed on request to the Federation Office.


EXPLANATION OF BENEFITS

Life insuranceOn death of a member or cohabiting partner who arecovered under the scheme the cash benefit detailedin the current benefits table will be paid. The policy iswritten in Trust so that if a member dies, the proceedscan be paid, by the Trustees, to the member'sdependants quickly free of tax and without havingto wait for probate. Members should ensure that theyhave an up-to-date beneficiary nominated and havelodged the details with the Federation Office, to assistthe Trustees in the event of a claim. If a member aged63 or under receives a terminal prognosis of 12 monthsor less, they may apply to the Trustees for anadvance of the death benefit of 20% of the relevantsum insured.

Permanent Total DisablementPayable when a member is unable to perform anygainful employment and is unable to exist indepen-dently, requiring continual supervision for activities ofdaily living, as a result of an accident.

Accidental Loss of Use BenefitBenefits paid in the event of:-- Permanent loss of sight in one or both eyes- Permanent loss of use of one or more limbs- Permanent total loss of hearing in one or both ears

Child Death GrantThis benefit is paid upon the death of a dependent childof a member, aged between 6 months and 17 years.

Hospitalisation Benefit- Payable when admitted as an in-patient to hospital between midnight and 07.00- Unplanned admission arising from accident or emergency, payable from first night- Planned admission payable after three nights

Sick Pay Benefit (Regulation 28 cover)If a member suffers a pay cut under regulations orterms of employment, the benefits illustrated on thescheme benefits table will become payable after 26weeks absence.

Please note: If full pay is reinstated and back dated,the benefits received during the applicable periodMUST be repaid.




The scheme benefits will be payable if a member, member's partner (if additional subscription paid)or their child, aged from six months to 17 years, suffers from an insured illness and survives formore than 28 days from the date of diagnosis or surgery.

Please refer to the policy wording for full definitions of the illnesses covered.

A pre-existing conditions exclusion applies together with other terms and conditions. Critical illness benefit ispayable once only in respect of conditions in a common group. Some illnesses may belong to more than onegroup, as shown above and in the full policy wording.

- Alzheimer’s disease – resulting in permanent symptoms (group C)- Aorta graft surgery – for disease (group A)- Bacterial meningitis – resulting in permanent symptoms (group C)- Benign brain tumour – resulting in permanent symptoms (group B)- Blindness – permanent and irreversible (group A&C)- Cancer – excluding less advanced cases (group B)- Coma – resulting in permanent symptoms (group A&C)- Coronary artery bypass grafts – with surgery to divide the breastbone (group A)- Creutzfeldt-Jakob disease (group C)- Deafness – permanent and irreversible (group A&C)- Heart attack – of specified severity (group A)- Heart valve replacement or repair – with surgery to divide the breastbone (group A)- HIV infection/Hep B virus – contracted from a blood transfusion, physical assault or an incident occurring whist performing Police Duties (group C)- Kidney failure – requiring dialysis (group C)- Loss of hands or feet – permanent physical severance of 2 or more hands or feet in any combination (group A&C)- Loss of speech – permanent and irreversible (group A&C)- Major organ transplant - undergoing of surgery or inclusion on official UK waiting list (group A)- Motor neurone disease – resulting in permanent symptoms (group C)- Multiple sclerosis – with persisting symptoms (group C)- Paralysis of limbs – total and irreversible (group A&C)- Parkinson’s disease – resulting in permanent symptoms (group C)- Severe burns – first-degree burns covering at least 60% of the total body surface area or second-degree burns covering at least 40% of the total body surface area or third-degree burns covering at least 20% of the total body surface area (group C)- Stroke – resulting in permanent symptoms (group A)- Traumatic head injury - resulting in permanent symptoms (group A&C))

CRITICAL ILLNESS


A telephone support service which provides access to a PersonalNurse Adviser for you and your family to provide support in theevent of:- Serious Illness- Bereavement- Long Term Disability- Stress- Telephone Support for people when discharged from hospital

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 certaincircumstances they may be able to arrange extra help.

The RedArc service is free of charge and confidential. If you thinkyou may be eligible you should ring RedArc on

01244 625 180in normal business hours.

REDARC PLUS



This policy covers the me mber,their cohabiting partner andany number of their unmarrieddependent children under 22years, all normally resident inthe family home, for anynumber of trips in any year upto 31 days per trip. It coverstravel worldwide and also inthe United Kingdom.

The main sections of cover are:- Cancellation and curtailment up to £5,000- Emergency medical expenses up to £5,000,000- Personal Baggage up to £1,500- Personal Money up to £500- Public liability up to £1,000,000- Personal Accident up to £20,000.

Other benefits are included. Pleasesee travel policy for full details.

In the case of medicalemergency pleasecontact ournominatedemergency service,ontelephone number+44 (0) 20 7183 3751Email [email protected] quote VOY/PWCPF/2016

Other claims should be reported toPhilip Williams and Company on

0330 660 0549Email [email protected]

Main conditions and exclusionsThe policy will not cover you if any of the following apply to you, atravelling companion, an immediate relative, close business associate orsomeone upon whom your trip depends whether they are travelling withyou or not (including any third party with whom you may be staying onyour trip):1. You/they were aware of any reason why the trip could be cancelledor curtailed.2. You/they were travelling against the advice of a medical practitioner orin order to get medical treatment abroad.3. You/they have been diagnosed as having a terminal illness.

If there is any change in a person’s health between the date the policyis issued and the start date of a trip you must still comply with theHealth Warranty.

If you are unsure please notify Philip Williams & Co immediately.

An excess of £50 is applicable for most policy sections. The excess ispayable per person, per section, per insured incident subject to amaximum of £100.

There are significant limitations and exclusions of cover for property,including valuables and money, that is left unattended or out of yourimmediate control and supervision. Please also note the requirementsfor notifications of loss/theft and the need for reports.

Full policy terms and conditions have been made available. If you requirefurther copies please contact the Federation Office.

FAMILY TRAVEL POLICY



LEGAL EXPENSES


Some important facts about the Professional Fees policy are summarised below. This summary doesnot describe all of the terms and conditions of the policy. All references below to the cover providedare contained within the full policy wording. Please note that a full policy wording is available foryour inspection at the Federation Office upon request.Beneficiary / BeneficiariesIn respect of Sections 3, 4, 9, 11, 12, 13, 14, and 15 the MemberIn respect of Section 1 and 16 the Member and the Member’s spouse or cohabiting partnerIn respect of Sections 2, 5, 6, 7, 8, 10, 17, 18, and 19 the Member and:-i) the Member’s spouse or cohabiting partner ii) children including stepchildren adopted children foster children and grandchildren normally resident with the Memberiii) the parents and grandparents of the Member and the Member’s spouse or cohabiting partner normally resident with the Member.

Legal helplineThere is a 24 hour legal helpline and this can be contacted on

01384 429 146for initial advice and further instructions in how to make a claim.Please quote scheme number LES/256/1590

Identity Theft Assistance and Claims

01384 377 000Debt Advice Helpline

01384 884 085Arranged by Legal Insurance Management Ltd.

Section of cover1. Criminal Prosecution Defence(£185,000)2. Personal Injury(£100,000)3. Residential Protection(£100,000)4. Peaceful Occupation(£100,000)5. Consumer Protection(£100,000)6. Data Protection(£100,000)7. Uninsured Loss Recovery & Motor Prosecution Defence(£100,000 but limited to £2,500 in providing representationfollowing the seizure of a vehicle as a result of incorrectinformation being on the Motor Insurance Database and £5,000for Motor Defence claims)8. Discrimination(£100,000)9. Probate(£100,000)

10. Employment(£100,000)11. Fund Trustee Defence(£100,000)12. Representation at Public Enquiries(£100,000)13. Independent Police ComplaintsCommission Investigations(£100,000)14. Disciplinary Hearings(£20,000)15. Bankruptcy and Debt Advice(£1,000)16. Education(£100,000)17. Taxation(£100,000)18. Identity Theft(£100,000)19. Assistance


This policy provides cover for Dental Expensesin the event of:- Dental Injury- Emergency Dental Treatment- Dentist Call-out Fees- Hospitalisation- Mouth CancerDefinitions are shown in the full policy wording.

Making a claim No prior authorisation is required. Undergo the treatment, pay the dentist direct, and subsequentlysubmit a claim. Please ensure that proof of treatmentand receipts of costs are obtained. Claim forms areavailable from the Federation Office.

HOME EMERGENCY ASSISTANCE

This policy provides immediate assistance in the event ofa domestic emergency. Home emergencies can be stressfuland sometimes difficult to resolve, but with Home EmergencyAssistance you will have peace of mind knowing that we arewith you every step of the way, by not only appointing a suitablyqualified contractor to attend your home but also meeting thecosts associated with this.

Cover is provided 24 hours a day, 365 days a year:

Claim Limit(s)The insurer will pay the following:a) The contractor’s call-out chargeb) Contractor’s necessary labour up to three hoursc) Parts and materials up to £150 and where necessaryd) Alternative Accommodation costs up to £250

The maximum payable by the insurer is £1,000 for all claims related bytime or original cause.

Home EmergencyA sudden unexpected event which clearly requires immediate action inorder to:a) prevent damage or avoid further damage to the home, and/orb) render the home safe or secure, and /orc) restore the main services to the home, and/ord) alleviate any health risk

Claims Helpline 0344 493 2847

Insured eventsCover is provided for domesticemergencies for the followinginsured events:- the complete breakdown of the main heating system- plumbing and drainage problems- damage which affects the security of your home, including locks and windows- breaking or failure of the toilet unit- loss of domestic power supply- lost keys- vermin Infestation- roof damage

A £25 excess applies per claim.

DENTAL INJURY & EMERGENCY




Comprehensive motor breakdown cover foryou and your cohabiting partner including:- Roadside Assistance/Recovery- Home Assist- Alternative Travel- Emergency Overnight Accommodation- Misfuel Assist- Lack of Fuel- Message Service- Caravans & Trailers- Keys- European Assistance

How to make a claim If the car, motorcycle, campervan / motorhome / non-commercial van under 3.5 tonnes you or your partnerare travelling in or any caravan or trailer of aproprietary make you are towing which is fitted with astandard towing hitch and does not exceed 7metres/23 feet suffers a breakdown caused by amechanical or electrical failure, misfuel, lack of fuel,accident, theft, vandalism, fire, or flat tyre whichimmediately renders the vehicle immobilised, pleasecall our 24 hour Control Centre on

0333 600 7364or 01206 771 781Please have the name of the covered member,your return telephone number, vehicle registrationnumber and precise location available whenrequesting assistance.

0333 numbers are chargeable at a local rate includingfrom mobile telephones. They are usually included innetwork providers “free minute” packages. Pleaseprogram the Control Centre’s telephone number inyou and your partner’s mobile telephones.

All use of this service is available for the coveredmember and their partner. We consider a ‘partner’any person married, civil partnered, or cohabiting withthe covered member at the time of the incident. Anyclaim will be validated with the Police Federation, orother such administrative organisation, with costsfor any claims from non-eligible persons being theresponsibility of the claimant.

Cover will apply during the period of insurance andwithin the territorial limits. There is no age limit to thecar, motorcycle, or car-derived van for breakdownsoccurring in the UK.


UK & EUROPEAN MOTOR BREAKDOWN


MOBILE PHONE


Covered individualsThis cover is provided for:- Serving members and their cohabiting partners- Retired members and their cohabiting partners

Please note that this policy does not cover mobilephones used by members' or partners' children, even ifthe bill is paid by the member or partner. This cover isapplicable for UK residents only..

Claims notificationIf you need to make a claim please contact BrightstarInsurance Services B.V. (UK Branch), Weston Road,Crewe, CW1 6BU.

Telephone number 0344 412 0982Please refer to full policy terms and conditions priorto making a claim.

Your mobile phone is covered against the repair orreplacement cost of your mobile phone in the event of:- theft- accidental loss - accidental damage- breakdown whilst in your possession

The liability of the insurer in respect of any one claimand in aggregate for any 12 month period will be therepair or replacement cost of the mobile phone and inany event shall not exceed a total claim cost up to amaximum of £1000 including VAT.

A £75 excess is payable per claim.

The mobile phone should have a fully functioning SIMcard and be no more than eight years old at the time ofthe incident as evidenced by the relevant proof ofownership. Upon acceptance of a claim, the insurermay at its discretion repair or replace your mobilephone. Replacement may be with a refurbished unit ora functionally equivalent product.

If the claims administrator replaces your mobile phone,your original item becomes the insurer’s property andthe replacement mobile phone is your property, withcoverage for that item continuing for the remainingperiod of insurance.

The maximum liability limit includes cover of up to£750 including VAT for unauthorised data usage for aperiod of up to 24 hour directly following a valid theftor accidental loss claim.

Please note any claim involving theft or accidental lossmust be reported to the appropriate police authoritieswithin 48 hours.

HOME INSURANCEFROM HOMEPLAN

Registration Number 308860

35 Walton Road, Stockton Heath,Warrington, Cheshire WA4 6NW

Tel 01925 604 421Fax 01925 861 351www.philipwilliams.co.uk

Philip Williams and Company are authorisedand regulated by the Financial Conduct Authority.

PWI1796 10/16 v5
