Personal Accident Cover
24 hour, worldwide, personal accident cover is provided for serving officers and their subscribing partners, unless otherwise stated.
Cover ceases on retirement or at age 70, whichever occurs first.
Temporary disablement*
Cover is provided for serving officers only. If you suffer a bodily injury as a result of an accident, you can claim a weekly benefit for the time you are absent from work. Cover is available for up to 104 weeks from the date of the accident. Benefit is payable from the eighth day of incapacity.
Permanent total disablement (PTD)*
PTD means disablement which entirely prevents the insured person from attending to any business or occupation for 12 months and which, after that time, is beyond hope of improvement. PTD cover is applicable to disablement caused by bodily injury sustained as a result of an accident.
Permanent total loss of sight (in one or both eyes), limb(s), hearing or speech*
If, as a result of bodily injury sustained from an accident, you suffer permanent total loss of sight limb(s), hearing or speech, a benefit payment will be made to you.
Disfigurement/scarring from burns*
Cover is provided for serving offers only.
Face:- if as a result of an accident you sustain facial disfigurement such as permanent scarring or permanent burns to the face and the permanent scarring or permanent burns affect an area of at least one square centimetre a benefit payment will be paid to you according to the size of the area affected.
Body:- if as a result of an accident you sustain injury which result in permanent scarring or permanent burns to the body and the permanent scarring or permanent burns affect an area of at least 4.5% of the total body area of benefit payment will be paid to you according to the size of the area affected.
Occupationally acquired HIV/AIDS/Hepatitis B*
Cover is provided for serving officers only. If as a result of a documented incident during the course of your normal duties of employment, you become infected with the HIV/AIDS virus or Hepatitis B a benefit payment will be paid to you.
Unrecovered Criminal Court Compensation (following assault)
Cover is provided for serving officers only. If, following an assault, compensation you have been awarded by a court has not been paid within six months from the date of the award, a benefit payment will be made to you.
Offensive weapons assault benefit
Cover is provided for serving officers only. If you sustain accidental bodily injury in the course of duty, directly caused by the discharge of a firearm, crossbow, shotgun, or stabbing with a sharp instrument, and the injury sustained prevents you from continuing in your pre-assault duties for 7 consecutive days on which you were due to work immediately following the assault, the specified lump sum benefit will be paid to you. Only one benefit will be paid for any one assault.
Hospital benefit*
Cover is provided for serving officers only. If, following an accident, you are admitted to hospital due to the injuries sustained, you will receive a payment for each night of your stay, up to a maximum of seven nights.
* All occurring with 24 months of the date of the accident.
For more information about payments please refer to the group insurance policy document
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
