90 days from today is Mon, 17 January 2022

Norfolk Police Federation

Serving Officers Scheme

Serving Officer application form

Serving Officer Partner application form (late joiners of serving officer)

Group Insurance Package Policy Booklet

Worldwide Family Travel Insurance Full Policy Booklet

Worldwide Family Travel - Insurance Product Information Document (IPID)

Worldwide Family Travel Insurance - Policy Schedule 

Personal Accident & Sickness Benefit - Full Policy wording

Personal Accident & Sickness Benefit - Policy Schedule

RAC Breakdown Summary of Cover

RAC Breakdown Full Policy Wording

Legal Expenses Cover Full Policy Wording

Legal Expenses Cover - Insurance Product Information Document (IPID)

Gadget Cover Summary of Cover

Gadget Cover Terms & Conditions

CareFirst Lifestyle

Arc Legal - Online Legal Documents - register on the site, to obtain the voucher code to apply the 100% discount please call tor e-mail the Fed office on 01603 971420 / Norfolk@polfed.org

Life Insurance Beneficiary Nomination Form / Change of Nomination



Worldwide Travel Insurance


To make a claim please call 01689 892 262

Overseas Assistance: 00 44 23 8064 4633

Healthline: 01689 892 262


Important Information please read below:


Health restrictions apply to some sections of the policy. See sections 1A, 1B, 2, 3 and 4 under the Personal Travel Insurance section of the policy.

If there is, a change in health of anyone insured under this policy after you have taken out the insurance or booked a trip, but before you travel, or book a further trip, you must contact the Police & Fire Brigade Health line.

**Important, please read the Declaration on pages 4 & 5 of your policy wording where you will find the Medical Exclusions that apply to this policy and; the Health Questions. If you or anyone insured on this policy answers Yes to any of the Health Questions you must contact the Police and Fire Brigade Health Line on 01689 892 262 to declare any and all pre-existing medical conditions.

Cover for pre-existing medical conditions does not automatically continue and you must declare these at each renewal. You must also read the Declaration each time you book a trip and declare any new conditions or any changes to those that have already been declared.



Worldwide Travel Insurance Rebate


Officers that have a partner who has also selected to pay the full package will be entitled to claim the travel insurance element of the premium back. This is due to the fact that you there would be a duplication in cover and you would be paying for the family worldwide travel insurance twice. Therefore after paying a full years premium officers can complete the below claim form and submit to the Federation office for checking. We will then forward onto George Burrows for assessment and re-imbursement for valid claims. The payment will be paid directly into officers bank account.


Dual Travel Insurance - Premium Rebate Claim form



Mobile phone/gadget Insurance


To make a claim please call: 0203 794 9318 (please quote your collar number)

A policy excess of £25 will be applied to items valued up to £250 (when new) and £50 for items valued over £250 (when new).

‘Apple Swap’

If your phone or gadget is an Apple product, you may prefer to take the item to your local Apple store for repair or replacement. You will first need to call the number above to ensure your claim is successful, after which you will be furnished with the details as to how to proceed with an Apple service. Your nearest store is at Chapelfield Shopping Centre, Norwich, NR2 1SU.

The devices which come under the term gadget are as follows;

Mobile phones, iPhones, iPads, Tablets, PDA's, MP3 players, iPods, Sat Navs, PSP's and other games consoles, Cameras, Camcorders, Personal Media Players and Laptops.



Best Doctors


The Best Doctors service provides the reassurance of a confidential expert second medical opinion if a member, partner or their resident dependent children up to age 21 (25 if still in full time education) are facing a worrying medical condition. Best Doctors work in conjunction with the patient and their doctor to ensure diagnosis and treatment are correct, providing an independent and comprehensive assessment report. They work with a worldwide panel of specialists.

Unlimited access to the Member Care centre is included, providing a confidential telephone based helpline, which is available 24 hours a day, 7 days a week, throughout the year.

Call: 0800 085 6605 for Best Doctors medical support.

Or visit: www.askbestdoctors.com for healthcare advice and the Best Doctors video library, with over 300 colour videos giving detailed explanations about medical conditions, treatments and testing. Please note: Best Doctors services are not available in respect of mental health related conditions.



GP Care on Demand


The GP Care on Demand service provides the subscribing member and their resident family with unlimited access to a GMC licensed practicing GP from the comfort of their home or workplace. You can conveniently schedule a video consultation or request a telephone call back consultation from an experienced GP who’ll take the time to support your individual needs. Where appropriate, they will be able to issue an open private specialist referral letter or a private prescription. If it is identified you will benefit from a second medical opinion the doctor will support you by connecting to the Best Doctors® service which has a network of over 50,000 world leading specialists to review your
case in full and help support some of the most important decisions you may have to make around your health. Brought to you by Teladoc Health, a world leader in virtual care, you can use the GP service when you are abroad to access doctors who are practiced in supporting patients wherever they are in the world.

Key benefits:

• 24/7, 365 days a year, worldwide access
• Connect via the App, or simply call
• Discuss all aspects of your physical and mental wellbeing
• Unlimited consultations; you can use the service as much as you need
• Connect with a high quality GP* who has the time to listen and to help you

To arrange an appointment simply download the 'Care on demand' App** create an account and
book a consultation:

Apple Store: https://apps.apple.com/gb/app/care-on-demand/id1481628208?ls=1

Google Play: https://play.google.com/store/apps/details?id=com.advancemedical.careondemand

You require a code to access the service, please contact the Fed office on Norfolk@polfed.org or ring us on 01603 971420.

Or you can call: +44(0) 203 499 4891

No pre-existing medical condition exclusion or age limit applies.

*Teladoc GP's are carefully selected and actively practicing medicine. They have over 6 years professional experience, undergo quarterly appraisals and continuous training.
**As part of Care Quality Commission (CQC) regulations patients, when engaging the service for the first time, will be asked to go through a positive ID process.

GP Care on Demand is provided by Teladoc Health, Inc. Teladoc is a telemedicine company that uses telephone and video conferencing technology to provide on-demand remote medical care via mobile devices, the internet, video and phone. www.teladoc.com


Legal and Tax Helpline: 0344 770 1058


Use the 24 hour advisory service for telephone advice on any private legal or taxation matter of concern to you. When you call say that you are a member of the Norfolk Police Federation Legal Expenses Scheme, or that you are a member of his or her family. You will be asked for a brief summary of the problem and this will be passed on to an Adviser who will return your call. This helpline is available to anyone over 18 years of age and belonging to the main household of a member. 



Lifestyle Counselling Helpline & Online Support Service Helpline: 0800 177 7894


This service can help with a range of problems from practical everyday matters to sensitive or emotional issues. Specialists will help you deal with personal relationship problems, problems with colleagues in the workplace and other issues affecting your general wellbeing. Counsellors and information specialists are also trained to help you with practical problems like debt. The helpline is complemented by a comprehensive online information and support service, through which you can access information and advice on a range of issues and problems which often impact on everyday life. Topics are diverse and include relationships, childcare issues, consumer issues, stress, health and fitness. Information is updated regularly by a team of experienced counsellors and information specialists.

You can access the Lifestyle Counselling Helpline on 0800 177 7894 or you can access the Online Support Service by visiting www.arclegal.co.uk/carefirst where you will be required to enter a username and password which is available from the Fed office. Call us on 01603 971420 or e-mail us on Norfolk@polfed.org

This service is available to anyone over the age of 18 years of age and belonging to the main household of a member.



Important Information -please read

  1. A separate application form must be completed for the cohabiting partner if the optional extension is taken out. Tick the ‘partner of serving member’ and add the rank, collar number, and name of the serving member. Compete the rest of the form with the partner’s details and both are required to sign the form in the relevant space provided;
  2. If the serving member and/or their cohabiting partner are unable to confirm the declaration on the application form, a fully underwritten application form with questions about medical history must be completed. Please contact the Federation Office to request the fully underwritten application form if required;
  3. If the serving member’s cohabiting partner is also a serving police officer with Norfolk Constabulary, it is highly recommended that both subscribe to the scheme in their own right in order to receive the full range of benefits;
  4. Where two serving officers with Norfolk Constabulary are cohabiting partners and are both members of the full scheme (£27.00) a rebate is available. This is due to the fact that two serving officers would both be paying for worldwide family travel insurance. Therefore at the renewal date 1st August every year, officers can make a claim to George Burrows via the Federation to have the element of the premium that relates to the travel insurance refunded. Please contact the Federation Office for details;
  5. Any increase in the life insurance sum assured above the scheme standard rate will cease upon the serving member retiring from Norfolk Constabulary;
  6. Subscriptions are to be deducted monthly direct from salary. Notification will be published of any subscription increase or change in benefits that may occur from time to time;
  7. Subscriptions for new probationary recruits to the Police Service are free of charge for the first 26 weeks, then a reduced subscription applies from week 27 to 104. At week 105 officers pay the full subscription;
  8. Serving members upon retirement from Norfolk Constabulary may remain in the scheme as a retired member by submitting a completed step down membership continuation form to the Federation Office prior to retirement. Subscriptions are to be deducted monthly direct from pension. Individuals are not eligible to join the scheme after their retirement date and therefore membership and/or any optional cohabiting partner extension must have been accepted prior that date;
  9. Eligibility for the scheme ceases at 65 years of age and all membership and benefits will cease. If the cohabiting partner extension has been taken out then that cover will cease once the retired member or the cohabiting partner has reach 65 years of age whichever is the sooner;
  10. Serving members who transfer, resign or are dismissed from the police service are not eligible to remain in the scheme and all membership and benefits will cease, including any cohabiting partner extension;
  11. The benefits arranged under this insurance scheme are provided strictly under the terms of insurance policies taken out and owned by the Trust. Subscription to the scheme entitles the member to the benefits provided by the scheme but confers no ownership of any of the underlying policies which are vested in the Trustees. Copies of the policies are available to view by appointment at the Federation Office.



Claim Forms


Dual Travel Insurance - Premium Rebate Claim form

Hospital Benefit (Officer) - Claim form

Hospital Benefit (Partner) - Claim form

Offensive Weapon Assault - Claim form

Personal Accident (Officer) - Claim form

Personal accident (Partner) - Claim form



Regulation 28 - Sickness Benefits


Applicable to serving officers only, up to age 70.

If, under police regulations, your pay is reduced due to ill health the benefits illustrated below will become payable. Sickness benefit is paid every 28 days (four weeks) for up to 26 weeks when you are on half pay and for a further 26 weeks when you are placed on no pay, or until you return to work, whichever happens first.


Half Pay: 22% of your salary per week, member only.

No Pay: 44% of your salary per week, member only.


Examples illustrated below: 


Rank                    Pay point               Salary                         Half Pay                     No Pay

                                                                                        Weekly benefit         Weekly benefit                                            

Constable                  2                      £ 25,269*                   £  106.91                  £ 213.81

Constable                  7                      £ 40,128                     £  169.77                  £ 339.54        

Sergeant                   3                      £ 43,806                     £  185.33                  £ 370.67

Inspector                   2                      £ 52,862                     £  223.64                 £ 447.29

Inspector                   4                      £ 55,768                     £  235.94                 £ 471.88        

*Appointed before 1st April 2013

Note: If full pay is reinstated and backdated, benefits received in respect of the applicable period must be repaid to the insurers.


Regulation 28 Sick pay - Claim form



Unsocial Hours Benefit 


Cover is provided for serving officers only. If you are unable to work due to illness or injury, and this absence lasts for more than 14 days, you may claim a benefit equal to 7.5% of your unsociable hours rate to help compensate for the loss of the unsocial hours payments you were scheduled to receive. Benefit is payable from the 15th day of absence and for a maximum of 8 weeks, within 24 weeks from the date of disablement. The benefit you receive will depend on your contracted working hours.


Unsocial Hours Benefit- Claim form



Additional Life Insurance


The following life insurance cover is available to members of the George Burrows Group Life & Spouse Insurance Schemes (serving police officers only).

There is a choice of three benefit levels as detailed below:


 Levels of Cover  Monthly Premium
 £50,000  £6.55
 £75,000  £9.50
 £100,000  £12.50

The following points are relevant:

Officers must be current subscribing members to the main George Burrows Group Package Insurance Scheme.
Officers wishing to take out additional partner cover must also subscribe to the main George Burrows Spouse Insurance Scheme.

A declaration of good health must be signed upon application to the scheme.
Cover for death by any cause with no exclusions.
Cover can be continued unto retirement at half benefits - up to age 65.
Officers must be serving in order to join or include their partner.

Download forms (Adobe PDFs):

Serving Officer Application Form
Partner Application Form
FAQ document
Benefit levels reduce and premium rates increase on retirement. Cover ceases at age 65.  Full details are available from the Federation or George Burrows.

* The premiums payable, which include the Norfolk Police Federation's administration fee, will be subject to periodic review and may go up or down.