The Benefits of the South Wales Police Federation Group insurance

Please take the time to browse through what you're actually entitled to as a serving officer under our excellent Group Insurance. You pay for this cover so make sure you use it. To get full information on your entitlements, just click on the image or here to view the full pdf booklet

Staff members can see their entitlements by clicking here

Life Insurance

On death of a member or spouse/partner who are covered under the scheme the cash benefit detailed in the current benefits table will be paid (currently £110,000 for the member and £55,000 for partner/spouse). The policy is written in Trust so that if a member dies, the proceeds can be paid, by the Trustees, to the member's dependants quickly free of tax and without having to wait for probate. Members should ensure that they have an up-to-date beneficiary nominated and have lodged the details with the Federation Office, to assist the Trustees in the event of a claim. If a beneficiary aged 63 or under receives a terminal prognosis of 12 months or less, they may apply to the Trustees for an advance of the death benefit of 20% of the relevant sum insured.

See the booklet for full details

Family Travel Policy

This policy covers the member, their co-habiting partner and any number of their unmarried dependent children under 21 years, all normally resident in the family home, for any number of trips in any year up to 31 days per trip. It covers travel worldwide and also in the United Kingdom.
The main sections of cover are:

• Cancellation and curtailment up to £3,000
• Emergency medical expenses up to £5,000,000
• Personal Baggage up to £1,500
• Personal Money up to £500
• Public liability up to £2,000,000
• Personal Accident up to £20,000

Other benefits are included. Please see travel policy for full details.
Insurer: This travel insurance policy is underwritten by by AXA Insurance UK plc, arranged through Voyager Insurance Services Ltd and Philip Williams and Company.

Hospitalisation Benefit

Should a member be admitted to hospital in the UK immediately following an accident, incident or emergency, this benefit will pay £40 per night for up to five consecutive nights. Should a member be admitted to hospital in the UK for a planned procedure, a benefit of £40 per night will become payable after the first three nights for up to a further five consecutive nights.

See the pdf booklet for more information

Legal Expenses Cover

Legal expenses cover includes the following items. Please refer to the full booklet for comprehensive information.

• Employment Disputes
• Criminal Prosecution
• Consumer Disputes
• Peaceful Occupation
• Residential Protection
• Personal Injury
• Discrimination
• Uninsured Loss Recovery & Motor Prosecution Defence
• Probate
• Data Protection
• Fund Trustee
• Representation at Public Enquiries
• Independent Police Complaints Commission Investigation
• Disciplinary Hearings
• Bankruptcy
• Taxation
• Identity Theft
• Education
• Legal Helpline

The limit of indemnity for any one claim is £100,000.

Legal Helpline

There is a 24 hour legal helpline and this can be contacted on 0844 800 0129 for initial advice and further instructions in how to make a claim.
Please quote scheme number LES/256/0634

Arranged by Legal Insurance Management Ltd underwritten by Ageas Insurance Ltd

Identity Theft Helpline

You must contact the identify theft helpline on 01384 377000 quoting LES/256/0634 before you pay or agree to pay any costs. Failure to do so may lead us to decline your claim. We will give you a dedicated case manager who will assist you in identifying the extent of your problem. They will offer advice, guidance, and assist in the preparation of documentation to ensure the extent of your problem and any potential losses are minimized.

Denplan Key Cover

Key Dental Cover from Denplan provides the member with cover for treatment necessary as a result of a dental injury or emergency anywhere in the world.

• Worldwide dental injury

Cover for up to £2,500 of treatment per dental injury (for up to four incidents per policy year) to the teeth or supporting structures which is directly caused suddenly and unexpectedly by means of a direct external impact/blow to the mouth.

• Worldwide emergency dental treatment

In the UK: up to £200 of treatment per incident for up to four incidents per policy year. Outside the UK: up to £400 of treatment per incident for up to two incidents per policy year. A dental emergency is dental treatment provided at the initial emergency appointment urgently required for the relief of severe pain, arrest of haemorrhage, the control of acute infection or a condition which causes a severe threat to your general health. There is an overall maximum of £800 per policy year for this benefit.

• Hospital cash benefit

£50 for each night you stay overnight in hospital, up to £1,000 per policy year, for dental treatment under the care of a consultant specialising in dental or maxillofacial surgery in relation to a head or neck condition.

• Dentist call-out fees

Up to £100 per incident for up to two incidents per policy year for a dentist in the UK to re-open the practice between the hours of 6.00pm and 8.00am on weekdays or weekend and bank holidays or outside the UK, outside the practice's normal working hours to provide emergency dental treatment or treatment in the event of an accidental dental injury.

• Mouth cancer cover

Up to £12,000 towards one course of treatment for up to 18 months following diagnosis (smokers are included).

• 24 hour worldwide emergency helpline, Access a dental emergency helpline anywhere in the world

Key Dental Cover provides you with a 24-hour dental emergency helpline to help you find a dentist anywhere in the world if you need one as a result of a dental injury or emergency.

Just call 0800 7315 052 (in the UK) or +44(0)1962 844571 (outside the UK).

Receive treatment from all types of dentists

You can enjoy the benefits of Key Dental Cover whether you are treated by a Denplan, private or NHS dentist.

See the Summary of main exclusions in the pdf booklet

Home Emergency Assistance

Home Emergency Insurance is a cost-effective insurance product that provides immediate assistance in the event of a domestic emergency. Home emergencies can be stressful and sometimes difficult to resolve, but with Home Emergency Insurance you will have peace of mind knowing that we are with you every step of the way, by not only appointing a suitably qualified contractor to attend your home but also meeting the costs associated with this.
Cover is provided 24 hours a day, 365 days a year for:

• Call-out charge
• Labour up to a maximum of 2 hours
• Parts and materials up to a maximum of £100 (inc VAT)
• Alternative accommodation up to a maximum of £250 (inc VAT)

The maximum payable per claim is £1,000 (inc VAT)

Emergencies covered are:

• Breakdown of the heating system
• Plumbing and drainage problems
• Home security including locks and windows
• Breakage or failure of your sole toilet unit
• Loss of domestic power supply
• Lost keys
• Vermin infestation

Critical Illness Cover for Serving Officers

The critical illness cover is £10,000 and must be claimed within 90 days of diagnosis with any of the below conditions. Please see the full booklet for relevant exclusions. This is a payment for diagnosis and the prognosis is irrelevant for these purposes.

• Alzheimer’s Disease
• Aorta Surgery
• Benign Brain Tumour
• Cancer
• CJD
• Coma
• Coronary Artery (By-Pass) Surgery
• Heart Attack
• Heart Valve Replacement or Repair
• H.I.V. (A.I.D.S.) and Hepatitis B Virus (Contracted in a documented duty related situation)
• Total Loss of Hearing
• Total Loss of Sight
• Total Loss of Speech
• Major Organ Transplant
• Motor Neurone Disease
• Multiple Sclerosis
• Parkinson’s Disease
• Paralysis
• Irreversible Renal Failure
• Severe Burns
• Stroke

RED ARC is an independent care advisory service specialising in welfare-based added value services.

The diagnosis of a serious health condition such as cancer, a heart attack, stroke or MS invariably means a worrying time for everyone close to the patient. That’s the time that you need access to someone who understands your condition and has the time to listen to your concern and allay your fears. That goes for your spouse, partner and children too. Advice and counselling are also available for other conditions such as stress and disability. The cornerstone of the RED ARC service is the personal nurse adviser - highly experienced, registered nurses who will be the focal point for you and your family and tailor the support you need to your particular circumstances.

Your personal nurse adviser will be available to you by telephone in normal business hours, and will be able to provide information and support for as long as you need it. Where appropriate, they can commission additional services such as a home visit by a specialist nurse, counselling or therapy. RED ARC also has links with many charities specialising in your particular health condition, and can often direct you to self-help groups that will help you come to terms, and cope better, with your problem. Home adaptation and special equipment to aid everyday living are other important areas where we can provide guidance.

The Red Arc service is free of charge and confidential. If you think you may be eligible you should ring RED ARC on 01273 716700 in normal business hours.