Retired Officers Scheme
Group Insurance Package Policy Booklet
Worldwide Family Travel Insurance - Policy Wording
RAC Breakdown Summary of Cover
RAC Breakdown Full Policy Wording
Legal Expenses Cover Full Policy Wording
Mobile & Gadget Cover - Policy Wording
Life Insurance Beneficiary Nomination Form / Change of Nomination
Worldwide Travel Insurance
Non Emergency Claims
Should you suffer a loss under this policy other than a medically related claim, please contact us as soon as
reasonably possible on the following contact number; +44 (0)1243 621416.
Emergency Medical Assistance Number: +44 (0)1243 621066
Important Information please read below:
The travel insurance policy covers the member and their spouse or cohabiting partner, and any number of dependent children/grandchildren under the age of 23 who are living with them and in full time education for any number of trips a year, up to 31 days each trip. Trip duration can be extended to a maximum of 183 days on request and by payment of an additional premium. Extensions must be arranged before you travel and full details of your travel plans provided. Please call George Burrows on: 01403 327719 to arrange a travel extension.
Cover includes trips in the United Kingdom provided overnight accommodation has been booked and paid for. A wide range of leisure activities such as Scuba diving to 30 metres and winter sports are covered at no extra charge. Please refer to page 11 of your travel policy for the full list of activities included. Cover may be available at additional premium for activities not listed, please contact George Burrows for details.
Extensions can be arranged to include cover for overseas weddings, golfing trips and business equipment, and for children of extended family or friends under the age of 18 who are travelling with the member by contacting George Burrows and on payment of an additional
premium.
Health restrictions apply to some sections of the policy. Prior to booking a holiday, please ensure you read the 'Pre-existing Medical Conditions' wording which can be found on page 6 of your policy document.
A £40 excess applies to most policy sections, along with other terms and conditions.
Full details of cover including the limitations, exclusions and terms and conditions can be found in the policy wording, which should be read carefully, in particular the exclusions and limitations.
Cover for pre-existing medical conditions does not automatically continue and you must declare these at each renewal. You must also read the Declaration each time you book a trip and declare any new conditions or any changes to those that have already been declared.
Worldwide Travel Insurance Rebate
Retired officers that have a partner who also has selected to pay the full package will be entitled to claim the travel insurance element of the premium back. This is due to the fact that there would be a duplication in cover and you would be paying for the family worldwide travel insurance twice. Therefore after paying a full years premium retired officers can complete the below claim form and submit to the Federation office for checking. We will then forward onto George Burrows for assessment and re-imbursement for valid claims. The payment will be paid directly into officers bank account.
Dual Travel Insurance - Premium Rebate Claim form
Mobile phone/gadget Insurance
If you require claims assistance please contact us as soon as possible to deal with your incident.
Submit an online claim form at Taurus Insurance Services - Claims
Or alternatively, call us on 0330 020 0044
A policy excess of £50 will be applied to items valued up to £500 (when new) and £75 for items valued between £501 and £999 (when new). If your claim is for a gadget valued at £1000 or more (when new) the excess fee is £100 for any claim.
This policy only covers your gadgets when the gadget is in the care of you or a member of your immediate family. The single item limit for this insurance is £1150 for
mobile phones and £1000 for all other gadgets and a maximum of two claims in total in any single 12 month period.
The devices which come under the term gadget are as follows;
mobile phones, iPads, tablets, cameras, laptops, portable gaming consoles, iPods, MP3 players, e-readers, Kindles, smart watches, sat nav’s or portable media players.
No other items will be covered under this policy.
‘Apple Swap’
If your phone or gadget is an Apple product, you may prefer to take the item to your local Apple store for repair or replacement. You will first need to call the number above to ensure your claim is successful, after which you will be furnished with the details as to how to proceed with an Apple service. Your nearest store is at Chapelfield Shopping Centre, Norwich, NR2 1SU.
Best Doctors
The Best Doctors service provides the reassurance of a confidential expert second medical opinion if a member, partner or their resident dependent children up to age 21 (25 if still in full time education) are facing a worrying medical condition. Best Doctors work in conjunction with the patient and their doctor to ensure diagnosis and treatment are correct, providing an independent and comprehensive assessment report. They work with a worldwide panel of specialists.
Unlimited access to the Member Care centre is included, providing a confidential telephone based helpline, which is available 24 hours a day, 7 days a week, throughout the year.
Call: 0800 085 6605 for Best Doctors medical support.
Or visit: Best Doctors Member Portal (askbestdoctors.com) for healthcare advice and the Best Doctors video library, with over 300 colour videos giving detailed explanations about medical conditions, treatments and testing. Please note: Best Doctors services are not available in respect of mental health related conditions.
BD_UK_Services_2018_Interactive.pdf (askbestdoctors.com) - Guide to how Best Doctors works.
GP Care on Demand
The GP Care on Demand service provides the subscribing member and their resident family with unlimited access to a GMC licensed practicing GP from the comfort of their home or workplace. You can conveniently schedule a video consultation or request a telephone call back consultation from an experienced GP who’ll take the time to support your individual needs. Where appropriate, they will be able to issue an open private specialist referral letter or a private prescription. If it is identified you will benefit from a second medical opinion the doctor will support you by connecting to the Best Doctors® service which has a network of over 50,000 world leading specialists to review your
case in full and help support some of the most important decisions you may have to make around your health. Brought to you by Teladoc Health, a world leader in virtual care, you can use the GP service when you are abroad to access doctors who are practiced in supporting patients wherever they are in the world.
Key benefits:
• 24/7, 365 days a year, worldwide access
• Connect via the App, or simply call
• Discuss all aspects of your physical and mental wellbeing
• Unlimited consultations; you can use the service as much as you need
• Connect with a high quality GP* who has the time to listen and to help you
To arrange an appointment simply download the 'Care on demand' App** create an account and
book a consultation:
Apple Store: https://apps.apple.com/gb/app/care-on-demand/id1481628208?ls=1
Google Play: https://play.google.com/store/apps/details?id=com.advancemedical.careondemand
You require a code to access the service, please contact the Fed office on Norfolk@polfed.org or ring us on 01603 971420.
Or you can call: +44(0) 203 499 4891
No pre-existing medical condition exclusion or age limit applies.
*Teladoc GP's are carefully selected and actively practicing medicine. They have over 6 years professional experience, undergo quarterly appraisals and continuous training.
**As part of Care Quality Commission (CQC) regulations patients, when engaging the service for the first time, will be asked to go through a positive ID process.
GP Care on Demand is provided by Teladoc Health, Inc. Teladoc is a telemedicine company that uses telephone and video conferencing technology to provide on-demand remote medical care via mobile devices, the internet, video and phone. www.teladoc.com
24 hour, 365 days per year personal tax and legal helpline: 0333 234 3462
If you have a legal or tax problem we recommend that the you call our confidential legal and tax advice helpline. Legal advice is available 24 hours a day, 365 days of the year, and tax advice is available between 9am and 5pm on weekdays (except bank holidays). We give advice about personal legal matters within UK and EU law or personal tax matters within the UK. The query will be dealt with by a qualified specialist who is experienced in handling legal and tax-related matters. Use of this service does not constitute reporting of a claim.
As an addition to your Legal Expenses cover, subscribing serving officers and their resident partners have access to an Online Legal Assistance Portal.
The service provides members with:
• Online legal document templates that can help you with a wide range of legal problems including
areas you are covered for under the Legal Expenses Insurance as well as legal templates for
wills, tenancy agreements and other areas of law.
• Access to the ‘Advice Tree’ - a legal encyclopedia offering guidance pages on areas of law.
• Legal Assistance Helpline Booking Service - so that you can arrange for a legal adviser to call
you.
• Access to the online claim system - if you have spoken to a legal adviser and need to start a
claim under your cover.
• Access to 'Online Chat' - if you need to speak to someone for help or advice using any of the
legal services available under your policy.
The service can be accessed by visiting:
https://legalassistanceportal.arclegal.co.uk where members can register to use this
service.
Care First Counselling
At some stage in their lives most people require advice and information on workplace and personal issues, but it can often be difficult to know where to start looking. The pressure of daily life can sometimes be stressful, but having access to the right advice and information can be helpful in combating such pressures. As a member of the group insurance scheme you have access to an information and counselling helpline service which is available to you 24 hours a day. Advisors, trained by Citizens Advice are at hand to provide answers and assistance on a wide range of issues which may affect your daily life. The helpline provides you with instant support, advice and counselling. All Care First counsellors are accredited to the British Association for Counselling and Psychotherapy (BACP). The counsellors are available to provide support for any issues that you may wish to discuss, such as bereavement, relationships problems, stress and work-loads. The service is confidential and impartial, and no one will be informed that you have contacted Care First, you don’t even need to give your name if you don’t want to. The Care First online service provides a library of resources, developed and maintained by a team of professionals. The online resource offers immediate information, answers and advice for a wide range of personal issues such as finance management, childcare and relationship advice, as well as health guides and tips. Resources for work related issues are also available, such as returning to work after illness, planning for retirement and working effectively.
Call: 0800 177 7894 to speak to a Care First counsellor
Or visit www.arclegal.co.uk/carefirst to access the Lifestyle Online Service
Please call the Fed office for the unique reference code to register with this service.
Additional Life Insurance
The following life insurance cover is available to members of the George Burrows Group Life & Spouse Insurance Schemes (retired police officers only).
*****However this is only available to retired members if they had this additional life assurance cover in place before they retired and entered into the step down scheme of the George Burrows Group Package Insurance Scheme*****
There is a choice of three benefit levels as detailed below:
| Levels of Cover | Monthly Premium |
| £25,000 | £6.60 |
| £37,500 | £9.75 |
| £50,000 | £13.00 |
The following points are relevant:
Retired officers must be current subscribing members to the main George Burrows Group Package Insurance Scheme.
Retired officers wishing to take out additional partner cover must also subscribe to the main George Burrows Spouse Insurance Scheme.
A declaration of good health must be signed upon application to the scheme.
Cover for death by any cause with no exclusions.
FAQ document
Cover ceases at age 65. Full details are available from the Federation or George Burrows.
* The premiums payable, which include the Norfolk Police Federation's administration fee, will be subject to periodic review and may go up or down.
Important information - please read
- A separate application form must be completed for the cohabiting partner if the optional extension is taken out. Tick the ‘partner of serving member’ and add the rank, collar number, and name of the serving member. Compete the rest of the form with the partner’s details and both are required to sign the form in the relevant space provided;
- If the serving member and/or their cohabiting partner are unable to confirm the declaration on the application form, a fully underwritten application form with questions about medical history must be completed. Please contact the Federation Office to request the fully underwritten application form if required;
- If the serving member’s cohabiting partner is also a serving police officer with Norfolk Constabulary, it is highly recommended that both subscribe to the scheme in their own right in order to receive the full range of benefits;
- Where two retired officers with Norfolk Constabulary are cohabiting partners and are both members of the scheme a rebate is available. This is due to the fact that two retired officers would both be paying for worldwide family travel insurance. Therefore at the renewal date 1st August every year, retired officers can make a claim to George Burrows via the Federation to have the element of the premium that relates to the travel insurance refunded. Please contact the Federation Office for details;
- Subscriptions are to be deducted monthly direct from pension. Notification will be published of any subscription increase or change in benefits that may occur from time to time;
- Serving members upon retirement from Norfolk Constabulary may remain in the scheme as a retired member by submitting a completed step down membership continuation form to the Federation Office prior to retirement. Subscriptions are to be deducted monthly direct from pension. Individuals are not eligible to join the scheme after their retirement date and therefore membership and/or any optional cohabiting partner extension must have been accepted prior that date;
- Eligibility for the scheme ceases at 65 years of age and all membership and benefits will cease. If the cohabiting partner extension has been taken out then that cover will cease once the retired member or the cohabiting partner has reach 65 years of age whichever is the sooner;
- Serving members who transfer, resign or are dismissed from the police service are not eligible to remain in the scheme and all membership and benefits will cease, including any cohabiting partner extension;
- The benefits arranged under this insurance scheme are provided strictly under the terms of insurance policies taken out and owned by the Trust. 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. Copies of the policies are available to view by appointment at the Federation Office.
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