Group Insurance Scheme documents
If you are looking for Group Insurance Scheme documents for retired officers, police staff or Special Constables - please scroll down.
Serving officers
Group Insurance Scheme booklet - April 2024
Partner late joiner application form
*This form is applicable to partners who are joining at the same time as a student officer or who are joining within three months of either marrying or qualifying** as a serving officer's partner, whichever occurs first.
In all other circumstances the Partner late joiner application form applies.
**Definition of partner - a partner is defined as your legal spouse or civil partner. If you are not married or you do not have a civil partner, a person who is co-habiting with you and has done so for at least six months prior to joining the scheme and is financially dependant or interdependent with you.
Cancelling membership
If you wish to terminate your membership, or stop paying subscriptions, you must give not less than one months’ notice to us in writing.
Best Doctors
Best Doctors leaflet with inter-consultation
Case study Hannah Best Doctors
Care on Demand
Critical illness
Critical illness policy document 2024
Mobile phone and gadget cover
Gadget policy - important information
Legal cover (paid for by West Midlands Police Federation for Federated serving officers)
RAC
Tiered life cover
Tiered life partner application form
Personal accident and sickness cover
Personal accident and sickness policy schedule April 2024
Personal accident and sickness policy April 2024
Travel
Pre-existing medical conditions
This policy does not provide cover for claims arising from pre-existing medical conditions for:
1. Claims made under Section B – Medical and Other Expenses as a result of:
a. Your certification as unfit to travel by a medical practitioner;
b. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
c. Your travel after receiving a terminal prognosis;
d. Your purchase of prescription medicines for a pre-existing medical condition; or
2. Claims made under Section C1.1 – Cancellation, Curtailment and Amendment as a result of:a. Your certification as unfit to travel by a medical practitioner;
b. Your inclusion on a waiting list the inpatient treatment;
c. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
d. Your travel after receiving a terminal prognosis;
e. You, your close relative, your travelling companion or their close relative’s pre-existing medical condition which we determine could have reasonably been foreseen as likely to give rise to a claim; or
3. Claims made under Section G1.2b Winter Sports Injury and Illness as a result of:
a. An illness you were aware of prior to you travelling for the trip; or
b. Travelling against the advice of a medical practitioner.
Retired officers
Group Insurance Scheme booklet - April 2024
For details on Best Doctors, gadget and RAC see above under serving officers for documentation. There is no critical illness cover for retired officers).
Cancelling membership
If you wish to terminate your membership, or stop paying subscriptions, you must give not less than one month's notice to us in writing.
Care on Demand
Legal cover (as part of the Group Insurance Scheme for retired officers)
Travel
Pre-existing medical conditions
This policy does not provide cover for claims arising from pre-existing medical conditions for:
1. Claims made under Section B – Medical and Other Expenses as a result of:
a. Your certification as unfit to travel by a medical practitioner;
b. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
c. Your travel after receiving a terminal prognosis;
d. Your purchase of prescription medicines for a pre-existing medical condition; or
2. Claims made under Section C1.1 – Cancellation, Curtailment and Amendment as a result of:a. Your certification as unfit to travel by a medical practitioner;
b. Your inclusion on a waiting list the inpatient treatment;
c. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
d. Your travel after receiving a terminal prognosis;
e. You, your close relative, your travelling companion or their close relative’s pre-existing medical condition which we determine could have reasonably been foreseen as likely to give rise to a claim; or
3. Claims made under Section G1.2b Winter Sports Injury and Illness as a result of:
a. An illness you were aware of prior to you travelling for the trip; or
b. Travelling against the advice of a medical practitioner.
Police staff
Police staff scheme booklet - April 2024
Police staff (late joiner) application form
Police staff partner application form
Police staff beneficiary nomination form
Critical illness
Critical illness policy document 2024
Legal
Police staff legal assistance policy April 2022
RAC
RAC IPID (effective from 1 April 2022)
Travel
Pre-existing medical conditions
This policy does not provide cover for claims arising from pre-existing medical conditions for:
1. Claims made under Section B – Medical and Other Expenses as a result of:
a. Your certification as unfit to travel by a medical practitioner;
b. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
c. Your travel after receiving a terminal prognosis;
d. Your purchase of prescription medicines for a pre-existing medical condition; or
2. Claims made under Section C1.1 – Cancellation, Curtailment and Amendment as a result of:a. Your certification as unfit to travel by a medical practitioner;
b. Your inclusion on a waiting list the inpatient treatment;
c. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
d. Your travel after receiving a terminal prognosis;
e. You, your close relative, your travelling companion or their close relative’s pre-existing medical condition which we determine could have reasonably been foreseen as likely to give rise to a claim; or
3. Claims made under Section G1.2b Winter Sports Injury and Illness as a result of:
a. An illness you were aware of prior to you travelling for the trip; or
b. Travelling against the advice of a medical practitioner.
Special Constables
Special Constables can now join West Midlands Police Federation and also the Group Insurance Scheme.
Group Insurance Scheme booklet - April 2024
Privacy notice
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