Group Insurance

The benefits

The package of benefits for serving members comprises:

·        Life Assurance (£130,000)

·        Personal Accident Benefits

·        Critical Illness Cover (£10,000) including RedArc

·        Regulation 28 Sickness Benefits

·        GP Care on Demand

·        Care First Counselling Service

·        Legal expenses insurance

·        Worldwide Annual Multi-Trip Travel Insurance

·        RAC Motor Breakdown Assistance

·        Mobile Phone/Gadget Insurance

Please download the Group Insurance Scheme booklet (last updated June 2024) for full details of all benefits provided to serving members, retired officers, and partners. The booklet also provides the telephone numbers, email addresses and reference codes you will need to make enquiries/claims.

Serving officers and Special Constables

Group Insurance membership costs £28.80 lunar monthly (i.e. every four weeks) for serving officers and £28.26 calendar monthly for Special Constables.

Please remember, the Group Insurance scheme is optional. Should you wish to opt out you must contact the Federation office to confirm this. Before you do so, we advise you to source alternative cover appropriate to your personal circumstances, for your own peace of mind.

• Serving officer application form

• Special Constable application form

• Additional Life Assurance officer application form

Partners

Cover is available for partners at £13.48 lunar monthly (i.e. every four weeks). The partner scheme provides Life Assurance (£65,000) and Critical Illness cover (£5,000). For other benefits, please take a look at the Group Insurance Scheme booklet above.

• Partner application form

• Additional Life Assurance partner application form

Retired Officers

Group insurance cover for retired officers varies in cost and benefits in line with your age. Please consult the Group Insurance Scheme booklet above for full details. Please note, you must fill out the retired officer application form BEFORE your retirement date. Under the terms of the policy there can be no gap in your cover.

• Retired officer application form

• Retired officer 70+ years application form

• Retired officer Direct Debit instructions

Claim Forms

• Critical Illness claim form

• Dental Injury claim form

• Hospital Benefit claim form

• Legal Assistance - Civil

• Legal Assistance - Misconduct

• Personal Accident claim form

• Personal Accident (Partner) claim form

• Sickness claim form

• Unpaid Court Award Compensation claim form

• Unsocial Hours Benefit claim form

Useful documents

• Legal Expenses policy wording

• Legal Protection information

• Life Assurance policy schedule

• Life Assurance standalone excepted benefits policy wording

• Personal Accident and Sick Pay policy wording

• Personal Accident schedule

• Sick Pay schedule

• RAC Breakdown policy

• Summary of RAC cover

• Tiered Life Assurance scheme

• Travel Policy wording