Critical illness cover
The Critical Illness Scheme offers a lump sum benefit to members who are diagnosed with a critical illness and survive for 14 days. Cover is as follows:*
| Member | £15,000 |
| Children |
£3,000 Covered under member policy and partner policy from 1 April 2018 |
| Spouse/partner | £7,500 (if paying for spouse/partner cover) |
You can also take out additional cover, for an added monthly cost as follows:
| Additional cover | Member | Partner |
| £7,500 | £3.45 | £4.50 |
| £10,000 | £4.60 | £6.00 |
| £12,500 | £5.75 | £7.50 |
| £15,000 | £6.90 | £9.00 |
| £17,500 | £8.05 | £10.50 |
Premiums correct as of 2024.
The Critical Illness Scheme also includes RED ARC assistance. For further details please see the 'RED ARC Leaflet'
For more details see the Critical illness policy document 2024.
The Critical Illness Scheme is available as part of the Group Insurance Scheme and is for serving officers only.
*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.
If you wish to join the scheme, please complete the appropriate application form on Group Insurance Documents page.
West Midlands Police Federation is an Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited, and George Burrows is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 55 Blythswood Street, Glasgow G2 7AT. Registered in Scotland. Company Number: SC108909
