Member Insurance products

Group Insurance for serving member

Arranged By GEORGE BURROWS GROUP INSURANCE.

The scheme provides 24 hour cover (on or off duty)

Benefits and premiums as from 1st April 2013

LIFE INSURANCE

£140,000 payable on death from ANY cause.

BEST DOCTORS

Provides members with an independent and definitive second medical opinion from over 50,000 worldwide leading consultants giving unlimited access ensuring diagnosis and treatment are correct.

Download Best Doctors Member Pack

ACCIDENT INSURANCE

(payable for an injury not illness)

£140,000 payable for permanent total disablement for any occupation

£22,000 payable on loss of hearing in one ear

£27,000 payable on loss of, or use of, one limb and/or sight in one eye

£55,000 payable on loss of our use of both limbs and/or sight in both eyes and or loss of speech and or loss of hearing in both ears

£75 payable per overnight stay up to 7 nights when  hospitalised Immediately following an accident

£30 per week, payable for up to 104  weeks following the date of the incident whilst unfit for duty, excluding the first 7 days

£500 unrecovered Criminal Court Compensation ( following assault) up to a maximum of £250. Payable provided compensation has not been received within 6 months from the date of the award.

(Claims under the accident insurance should be notified as soon as reasonably possible of the date of the occurrence causing the disability of an insured person).

ALL THE ABOVE BENEFITS ARE TAX FREE

ACCIDENT INSURANCE EXCLUSIONS

Members contemplating an unusual sport or activity which may come within the usual accident insurance exclusions should contact insurance manager for advice.

PREMIUM:  £10.01 per month by deduction from pay

ELIGIBILITY: All members of the Metropolitan and City of London Police Forces who are subscribers to the Police Federation voluntary funds or officers of these Forces above the rank of Chief Inspector.

POLICY: The full policy wording is available at the Federation Office’s for inspection by prior appointment or on the Met Fed website www.metfed.org.uk

Group Insurance for Spouse / Partner of Serving Member

Arranged By GEORGE BURROWS GROUP INSURANCE.

Benefits and premiums as from 1st April 2013

LIFE INSURANCE

£50,000 payable on Death from ANY cause

BEST DOCTORS

Provides members with an independant and definative second medical opinion from oer 50,000 worldwide leading consultants giving unlimited access ensuring diagnosis and treatment are correct.

ACCIDENT INSURANCE

(Payable for injury)

£50,000 payable for permanent total disablement for any occupation

£11,000 payable on loss of hearing in one ear

£16,500 payable on loss of, or use of, one limb and/or sight in one eye

£22,000 payable on loss of our use of both limbs and/or sight in both eyes and or loss of speech and or loss of hearing in both ears

£75 payable per overnight stay up to 7 nights when  hospitalised Immediately following an accident

£15.00 per week, payable for up to 104 weeks following the date of the incident whilst unfit for duty, excluding the first 7 day

(Claims under the accident insurance should be notified as soon as reasonably possible of the date of the occurrence causing the disability of an insured person).

ACCIDENT INSURANCE EXCLUSIONS

Members contemplating an unusual sport or activity which may come within the usual accident insurance exclusions should contact the Group Insurance Manager for advice.

PREMIUM: £3.75 per month by deduction from pay

ELIGIBILITY: Spouses/Partners of members of the Metropolitan and City of London Police Forces.

The full policy wording is available at the Federation Office’s for inspection on request or on the Met Fed website www.metfed.org.uk

Income Protection – Regulation 28 Insurance

Two types of cover are available.

A basic level of cover is available courtesy of the Met Constables Branch Board to assist you if you are long term sick or injured. The insurance will provide some financial protection if your pay is reduced through illness or accident under Regulation 28.

This insurance cover will provide some income without any medical or means testing requirement. Benefit is payable for a maximum of 52 weeks, the first 26 weeks at the half pay benefit level and a further 26 weeks at the higher no pay level. Payment ceases when you return to work.

This insurance policy provides:
• £200 per week for up to six months whilst on half pay.
• £400 per week for up to six months whilst on no pay.

• No Medical
• No Means Test
• No Hassle
The premium is £5.04 per month deducted from your pay.

Contact the Met CBB office on 0208 464 2322 Ext 1 for more details.

A more comprehensive cover is offered by metfriendly.

Premiums are dependent upon the level of income protection. More details can be found on www.mpfs.org.uk

Travel Insurance

Once again through the Met Constables’ Branch Board we are able to offer the Inspecting ranks excellent travel insurance for subscribing members, their spouses or partners and their children (if aged 22 or under and not in full-time employment but residing with them).

The insurance provides generous cover for:

• Medical & other expenses
• Personal accident
• Cancellation or curtailment
• Personal money
• Baggage & personal effects
• Travel delay
• Mugging
• Winter sports cover
• Hospital confinement
• Personal liability
• Loss of deposit
• Missed departure
• Catastrophe

The policy covers any number of trips up to 30 days’ duration, worldwide, although winter sports are restricted to a maximum of 17 days duration. Extended periods of cover can be arranged for a small additional premium.
£4 .95 per month deducted from your pay.

Contact the Met CBB office on 0208 464 2322 Ext 1 for more details.