HAMPSHIRE POLICE FEDERATION INSURANCE …

1 Serving Member to age 65 Life INSURANCE 120,000 Terminal Prognosis Advance on Life INSURANCE *20% of sum insuredPermanent Total Disablement (due to accident) 120,000 Accidental Loss of Use BenefitOne Eye, Limb or Hearing in one ear 20,000 Two Eyes, Limbs or Hearing in both ears 40,000 Temporary Total Disablement 25 per week(excluding first 7 days)up to 104 weeksHospitalisation Benefit up to 7 nightsUnplanned admission 50 per nightCritical Illness 15,000 Child Critical Illness 3,000 Child Death Grant 2,000 Red Arc AssuredFamily CoverReg 28 Sick Pay - up to 52 weeks 20% scale payLegal Expenses & ID Theft ProtectionIncludedHome Emergency AssistanceIncludedFamily Travel Policy WorldwideDenplan Key CoverIncludedUK Motor Breakdown CoverMember & PartnerCALENDAR MONTHLY SUBSCRIPTION Partner of Serving Member to age 65 Life INSURANCE 55,000 Terminal Prognosis Advance on Life INSURANCE *20% of sum insuredCritical Illness 7,500 Child Critical Illness 1.

2 500 Denplan Key CoverIncludedCALENDAR MONTHLY SUBSCRIPTION POLICE FEDERATIONINSURANCE SCHEMEBENEFITS EFFECTIVE FROM 1 DECEMBER 2012 FullScheme* Terminal Prognosis Advance is only available to those aged 63 and rebate facility has now been set up for contributing members and spouse/partners whoare BOTH serving members of the scheme. This rebate will take into account the duplicatepayments for the Family Travel INSURANCE , Red Arc Assured, Home Emergency Assistance,and Motor Breakdown sections of the scheme. To qualify for this rebate, you must registerwith the FEDERATION Office. Claims will not be back dated and will only apply from themonth following your registration.

3 If you cease to be cohabiting with the spouse/partnerfor which you are claiming a reduced subscription, and do not inform the FEDERATION , thismay invalidate your Member aged under 65 Life INSURANCE 50,000 Terminal Prognosis Advance on Life INSURANCE *20% of sum insuredRed Arc AssuredFamily CoverLegal Expenses & ID Theft ProtectionIncludedHome Emergency AssistanceIncludedFamily Travel PolicyWorldwideDenplan Key CoverIncludedUK Motor Breakdown CoverMember & PartnerCALENDAR MONTHLY SUBSCRIPTION Member aged 65 to 69 inclusiveLife INSURANCE 5,500 Red Arc AssuredFamily CoverLegal Expenses & ID Theft ProtectionIncludedHome Emergency AssistanceIncludedFamily Travel PolicyWorldwideDenplan Key CoverIncludedUK Motor Breakdown CoverMember & PartnerCALENDAR MONTHLY SUBSCRIPTION Partner aged under 65 of Retired MemberLife INSURANCE 25,000 Terminal Prognosis Advance on Life INSURANCE *20% of sum insuredDenplan Key CoverIncludedCALENDAR MONTHLY SUBSCRIPTION Partner aged 65 to 69(inclusive)

4 Of Retired MemberLife INSURANCE 2,750 Denplan Key CoverIncludedCALENDAR MONTHLY SUBSCRIPTION MEMBER BENEFITS with effect from 1 December 2012* Terminal Prognosis Advance is only available to those aged 63 and INFORMATION - APPLICABLE TO ALL BENEFITSThis booklet is a summary only. The benefits are subject to certain exclusions and policyconditions not stated in this booklet; which in the event of a claim will be applicable. Thebenefits are provided strictly under the terms of INSURANCE policies taken out and owned by theTrustees of the scheme. The Trustees retain the full policy wording detailing all benefits of the policies are available to view upon request.

5 Some policy wordings are availableto download via some Smartphones with a QR Scanner, from this document. Subscription to thescheme entitles the member to the benefits provided by the scheme but confers no ownership ofany of the underlying policies, which are vested in the scheme member who attains the age of 65 and is still in the employment of the Force, maycontinue as a member of the scheme with the benefits applicable to a retired member under theappropriate age category. When the member is no longer eligible under the scheme,Spouse/Partners eligibility also to JoinMembers and cohabiting partners can apply to join the scheme at any time by completing anapplication form which contains medical underwriting questions.

6 New recruits may join withoutthe need for medical collectionSubscriptions are collected monthly by salary/pension deduction unless alternative arrangementshave been list of the insurers is available on to cancel your coverIn the event that you need to cancel your cover, please contact the FEDERATION ProcedureAll claims with the exception of legal expenses, motor breakdown, home emergency,, dentalemergencies, Red Arc and emergency medical claims under the travel INSURANCE should bereported to the FEDERATION Office on 01962 871 588 who will provide a claim form and furtherguidance on how to make a claim.

7 Immediate notice must be given to the FEDERATION Office ofany event which a member believes is likely to give rise to a claim. Claims should be reportedas soon as is practical and if possible within 30 days of the incident/diagnosis. If claims are notreported within 90 days of the date of the incident/diagnosis they may not be met. The onus ison the member to notify a claim and it is not the responsibility of the FEDERATION to make amember aware of their entitlement to ProcedureThe FEDERATION INSURANCE Scheme is arranged on behalf of the Trustees by Philip Williams andCompany who are authorised and regulated by the Financial Services Authority registrationnumber 308860.

8 The Trustees are responsible for dealing with the INSURANCE broker andorganising the Policies. Any complaints about any aspect of the FEDERATION INSURANCE Schemeshould in the first instance be directed to the Trustees. We will then investigate any complaint;identify the appropriate person to speak to and then either resolve the matter with that organi-sation and the Member or arrange for the appropriate organisation to resolve it directly with if you have any complaints about the FEDERATION INSURANCE Scheme please contact theFederation Office on:Tel 01962 871 588 Fax 01962 842 005Or simply write, giving details of your complaint to.

9 HAMPSHIRE Constabulary JBB, FEDERATION Office, POLICE Headquarters,West Hill,Winchester, HAMPSHIRE SO22 5DB3 EXPLANATION OF BENEFITSThe benefits arranged under this INSURANCE scheme are provided strictly under the terms of insurancepolicies taken out and owned by the Trust. This Scheme Benefits booklet is only a summary of thecover provided. Full details are contained in the Master Policies. Copies of the policies are availableto view at the POLICE FEDERATION Office. Subscription to the scheme entitles the member to the benefitsprovided by the scheme but confers no ownership of any of the underlying policies, which are vestedin the Trustees.

10 A list of insurers under the scheme is available from the FEDERATION InsuranceOn death of a member or spouse/partner who are covered under the scheme the cash benefit detailedin the current benefits table becomes payable. The scheme is written in Trust so that if a member dies,the proceeds can be paid, by the Trustees, to the member's beneficiary quickly, free of tax and withouthaving to wait for probate. Members should ensure that they have an up-to-date beneficiary nominatedand have lodged the details with the FEDERATION Office, to assist the Trustees in the event of a claim. If amember aged 63 or under receives a terminal prognosis of 12 months or less, they may apply to theTrustees for an advance of the death benefit of 20% of the relevant sum Death GrantThis benefit is paid upon the death of a dependent child of a member aged between 6 months and17 BenefitsShall provide cover for bodily injury which is caused solely by accidental means and which independentlyof illness or any other cause within 24 months from the date of the accident results in Permanent TotalDisablement, Loss of Sight, Loss of Limb, Loss of Hearing.