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Kent Police Federation


Academic year: 2021

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Police Federation

Personal Accident &


Summary of cover

Kent Police Federation offers this scheme for Kent Police Officers. The scheme is administered on behalf of the Federation by Police Mutual.

Benefits summaries attached • Personal Accident and Sick Pay

• Critical Illness

Who is covered?

Any Serving member of Kent Police Federation who is paying contributions into the scheme by salary deduction (see code ‘PAI’ on your payslip).


Claim forms can be obtained from your Federation office.

• Accident –(including Unsociable Hours Benefit and Dependant Care costs) must be notified as soon as possible and in any case within 6 months from the date of the accident/incident

• Sickness/Half Pay Benefit – must be notified within 6 months of pay being cut

• Claims for Court Award Compensation must be made within eighteen months of the award being made

• Critical Illness - claims should be notified within 90 days following diagnosis

Who can join? How much does it cost?

To join, you must have been actively at work, not on recuperative duties, in the eight weeks prior to making your application. Membership is open to any Serving Officer of Kent Police who is contributing to the Federation’s voluntary fund, Superintendent’s Association or ACPO. The premium is £6.20 per month. New recruit applicants are covered free of charge until they complete their first year of service, so long as they have signed to join the scheme on induction to the Force.

How do I join?

Contact the Federation Office at 66 & 67 Queen Elizabeth Square, Sutton Road, Maidstone, Kent, ME15 9BZ or call them on 01622 652250.

When does the cover end?

Cover ceases if premiums stop for any reason or on retirement.

You and Police Mutual

The scheme aims to meet the demands and needs of a Member who require critical illness, personal accident and sickness insurance. You should ensure the cover is adequate for your needs.


Personal Accident and Sickness Benefits Summary

Sickness benefit per month whilst on £196 per week Half/nil pay for up to 78 weeks

Temporary Total Disablement (TTD) from £42 a week usual occupation –

up to 104 weeks excluding first 7 days

Hospitalisation unplanned (inc an accident) £40 per night up to 90 nights Hospitalisation planned – 3 night excess £40 per night up to 7 nights

Court award compensation (max per award) £500

Permanent disablement from performing an

occupation of any and every kind £48,000

Quadriplegia – an additional payment of £25,000

Occupationally acquired HIV £24,000

Loss of limb, eye, speech

or hearing (in both ears) £24,000

Loss of hearing in one ear £6,000

Coma benefit

If remains in a permanent unconscious state £25 per day up to 365 days

Unsociable Hours Benefit 7.5% of basic scale pay (up to agreed maximums) 2 weeks excess

Payable for 24 weeks

Dependant Care Costs £15ph max £200 per claim £1,000pa

Other Accident Benefits

Any accidental dental injury worldwide cover Up to £2,500

Emergency dental treatment for immediate Up to £200 in the UK pain relief, per incident, initial visit only Up to £400 rest of world

Hospital cash maximum of 20 nights, £50 per night, if an inpatient having dental treatment

(under care of dental or maxillofacial consultant care)

Dentist call out fees to cover the cost of £100 an emergency Dental Call-Out where

Other benefits apply for loss of fingers, toes and the like, as a result of an accident – contact Police Mutual for more details.


Accident & Sickness Benefits

Effective from 1st January 2015

Significant Features and Benefits

• Personal Accident and Sickness Insurance provides you with protection by paying lump sum benefits in the event of permanent injury or disablement, or regular weekly benefits in the event of sickness or temporary disablement caused by an accident or sickness.

• 24 hour worldwide cover, on or off duty

Significant or unusual exclusions or limitation

• Where a pre-existing condition has contributed towards permanent disablement, the insurers reserve the right to negotiate a settlement for a reduced sum, to reflect the extent to which this condition has affected the claim.

The main exclusions are for claims resulting from:

• The Insured Person taking part in aviation (other than travelling as a passenger) unless in the course of police duties, riding or driving in any kind of race or professional sport.

• Attempted suicide or intentionally inflicted self-injury or sickness

• Any claim where the incident occurred after the Insured Person’s 65th birthday.

• War (whether declared or not), civil war, rebellion, revolution, insurrection, or civil commotion

Main Conditions relating to benefit payments

• Payments are not normally made under more than one of the core benefits in respect of the same accident or sickness or the same period of disablement for the same insured person.

• Payments for Permanent Disablment shall only be payable upon certification by a qualified registered medical practitioner and not before the expiry of 52 consecutive weeks of disablement.

• Payment for Temporary Total Disablement following an accident shall be made at the end of the period of disablement

• Payment for Temporary Total Disablement following sickness shall be made either:

• at the end of the period of disablement, or

• at the insured person’s request, at 4 weekly intervals in arrears subject to medical or other information required by the insurer

• The maximum amount payable in respect of Unsociable Hours Benefit shall be:

• £60 per week for Constables

• £75 per week for Sergeants

• £95 per week for Inspectors and Chief Inspectors


Critical Illness Benefits Summary

Effective from 1st January 2015

Benefit payable upon diagnosis of an insured critical illness: £10,000 WHAT CRITICAL ILLNESSES ARE COVERED?

• Alzheimer’s Disease – resulting in permanent symptoms

• Aorta Graft Surgery – for disease

• Aplastic Anaemia – with permanent bone marrow failure

• Bacterial Meningitis – resulting in permanent symptoms

• Benign Brain Tumour – resulting in permanent symptoms

• Blindness – permanent and irreversible

• Cancer – excluding less advanced cases

• Cardiomyopathy

• Chronic Lung disease

• Coma – resulting in permanent symptoms

• Coronary Artery By-Pass Grafts – with surgery to divide the breastbone

• Creutzfeld-Jakob Disease

• Deafness

• Dementia/Pre Senile Dementia

• Encephalitis – resulting in permanent neurological deficit with persisting clinical symptoms

• Heart Attack – of specified severity

• Heart Valve Replacement or Repair – with surgery to divide the breastbone

• HIV and Blood Transfusion – caught in the EU from a blood transfusion or at work

• Kidney Failure – requiring dialysis

• Liver failure

• Loss of Hands or Feet– the permanent physical severance of two or more limbs

• Loss of Speech – Permanent and irreversible

• Major Organ Transplant

• Motor Neurone Disease – resulting in permanent symptoms

• Multiple Sclerosis – with persisting symptoms

• Paralysis of Limbs – total and irreversible

• Parkinson’s Disease – resulting in Permanent symptoms

• Permanent Total Disability

• Primary Pulmonary Hypertension

• Progressive Supranuclear Palsy – resulting in Permanent symptoms

• Rheumatoid Arthritis – resulting in a loss of the ability to do specified physical activities

• Severe Burns

• Stroke – resulting in Permanent symptoms

• Terminal Illness

• Traumatic Head Injury

Critical illness cover pays out a lump sum if you are diagnosed with an insured illness that meets the policy definition, and you then survive for at least 28 days. The policy places the insured illnesses into groups; a member can claim once for conditions in a common group.

Other than in the bona fide execution of police duty, no benefit shall be payable if a claim occurs directly or indirectly from:

• war (whether declared or not) other than civil war or any act incidental thereto,


Regulatory Information

This is a summary of the personal accident & sickness and critical illness scheme. The full terms and conditions are contained in policies issued by the insurers and available on request. The Critical Illness benefits are underwritten by The Ancient Order of Foresters Friendly Society Ltd. The Accident & Sickness section is underwritten by UK General Insurance Ltd on behalf of UK General Insurance (Ireland) Ltd.

The scheme is administered by Police Mutual which is a trading name of PMGI Ltd . They are Kent Federation’s appointed insurance brokers for this scheme and are regulated by the Financial Conduct Authority (FCA registration number 114942). Scheme terms and conditions may vary from time to time with the agreement of the Secretary of the Kent Police Federation.


In the first instance, please raise any complaint with:

Police Mutual, 3 Meridian Office Park, Osborn Way, Hook, Hampshire, RG27 9HY Telephone: 0844 846 9947

Complaints which cannot be settled can be referred to Financial Ombudsman Service: South Quay Plaza, 183 Marsh Wall, London, E14 9RS

Telephone: 08450 801 800

Financial Services Compensation Scheme

In the unlikely event that the Insurers are unable to meet their liabilities, you may be able to claim


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