90 days from today is Mon, 02 January 2023
Worldwide Travel Insurance
Non Emergency Claims
Should you suffer a loss under this policy other than a medically related claim, please contact us as soon as
reasonably possible on the following contact number; +44 (0)1243 621416.
Emergency Medical Assistance Number: +44 (0)1243 621066
Important Information please read below:
The travel insurance policy covers the member and their spouse or cohabiting partner, and any number of dependent children/grandchildren under the age of 23 who are living with them and in full time education for any number of trips a year, up to 31 days each trip. Trip duration can be extended to a maximum of 183 days on request and by payment of an additional premium. Extensions must be arranged before you travel and full details of your travel plans provided. Please call George Burrows on: 01403 327719 to arrange a travel extension.
Cover includes trips in the United Kingdom provided overnight accommodation has been booked and paid for. A wide range of leisure activities such as Scuba diving to 30 metres and winter sports are covered at no extra charge. Please refer to page 11 of your travel policy for the full list of activities included. Cover may be available at additional premium for activities not listed, please contact George Burrows for details.
Extensions can be arranged to include cover for overseas weddings, golfing trips and business equipment, and for children of extended family or friends under the age of 18 who are travelling with the member by contacting George Burrows and on payment of an additional
Health restrictions apply to some sections of the policy. Prior to booking a holiday, please ensure you read the 'Pre-existing Medical Conditions' wording which can be found on page 6 of your policy document.
A £40 excess applies to most policy sections, along with other terms and conditions.
Full details of cover including the limitations, exclusions and terms and conditions can be found in the policy wording, which should be read carefully, in particular the exclusions and limitations.
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.
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).
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.
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: Best Doctors Member Portal (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.
BD_UK_Services_2018_Interactive.pdf (askbestdoctors.com) - Guide to how Best Doctors works.
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.
• 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:
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: 0330 175 7928
If you have a legal or tax problem we recommend that the you call our confidential legal and tax advice helpline. Legal advice is available 24 hours a day, 365 days of the year, and tax advice is available between 9am and 5pm on weekdays (except bank holidays). We give advice about personal legal matters within UK and EU law or personal tax matters within the UK. The query will be dealt with by a qualified specialist who is experienced in handling legal and tax-related matters. Use of this service does not constitute reporting of a claim.
Identity theft resolution 0333 000 2083
This service is available between 9am and 5pm on weekdays (except bank holidays). We provide telephone advice to help the member keep their personal identity secure. Where identity theft is suspected, our specialist caseworkers can help the member restore their credit rating and correspond with their card issuer, bank or other
parties. Identity theft expenses are beneficiary under Insured Event 18 Identity Theft when the member uses this helpline.
Consumer legal services website
Register at www.araglegal.co.uk and enter voucher code AFE48BBE98B5 to access ARAG’s digital law guide and download legal documents to help with consumer legal matters.
A counselling line will be provide by Vita Health Group Vita Health Group - NHS, Corporate & Private Health Services providing access to a trained councillor 24/7 for any matter that members may require by calling 0333 000 2082 providing support, advice and counselling for issues such as managing stress, relationships, childcare, advise for money matters and financial management.
Important Information -please read
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.
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.
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|
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
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.