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 1,500 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.

2 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. 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.

3 000 Terminal Prognosis Advance on Life INSURANCE *20% of sum insuredDenplan Key CoverIncludedCALENDAR MONTHLY SUBSCRIPTION Partner aged 65 to 69(inclusive) 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. 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.

4 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. 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. Immediate notice must be given to the FEDERATION Office ofany event which a member believes is likely to give rise to a claim.

5 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. 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: 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.

6 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. 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, Temporary Total Disablement or Total DisablementMeans disablement which has lasted for at least 12 months and which in the insurers opinion isbeyond hope of recovery and will in all probability continue for the remainder of the member's life.

7 Willprevent the member from engaging in or giving attention to business profession or occupation of anyand every kind for the remainder of their Loss of Use BenefitLoss of Hearingmeans total and irrecoverable deafness confirmed by audiometer and soundthreshold tests. Loss of Limbshall mean in respect of: 1. an arm - physical severance of the four fingers at or above the metacarpal phalangeal joints (wherethe fingers join the palm of the hand) or the permanent total loss of use of an entire hand or arm;2. a leg - physical severance or complete and permanent loss of use - at or above the ankle(talo-tibial joint).1. in both eyes when the member s name has been added to the register of Blind Persons maintainedby the government on the authority of a qualified ophthalmic specialist. Or2. in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale(which means the member is only able to see at 3 feet that which they should normally be able to see at60 feet) and the insurer is satisfied that the condition is permanent and without expectation of BenefitShould a member be admitted to hospital immediately following an accident or illness, this benefit willpay 50 per night for up to seven consecutive Total DisablementThis benefit will be paid should the member suffer injuries which cause the member to be preventedfrom carrying out their usual occupation as a result of an accident for up to 104 weeks (excluding thefirst seven days).

8 Benefit will also be paid under this section if a member suffers Post Traumatic StressDisorder as a result of attending an incident on POLICE duty. Such Post Traumatic Stress Disorder mustbe the clear result of a single incident that was documented in the POLICE records and be of sufficientseverity to prevent the performing of the duties of a POLICE Exclusions applicable to Injury Benefitsa) any illness or disease not directly resulting from Bodily Injury; b) any psychological or psychiatric condition; c) repetitive stress (strain) Injury or syndrome or any gradually operating ) post traumatic stress disorder or related syndromes (except in respect of Temporary TotalDisablement benefit)Sick Pay Benefit (Regulation 28)If a member suffers a pay cut under regulations or terms of employment, the benefits illustrated on thescheme benefits table will become payable. If you apply, and are refused Employment Support Allowance(ESA) Benefit, the Trustees may apply for an additional payment of 90 per week on your applicable to Sick Pay Benefit (Regulation 28)Benefits will cease after the benefit period or on early return to work or discharge.

9 If a benefit memberis offered recuperative duties and a return to full pay and such duties are declined without reasonablecause, the benefit will cease. Shift allowance and other allowances are not Arc AssuredRED ARC is an independent care advisory service specialising in welfare-based added value diagnosis of a serious health condition such as cancer, a heart attack, stroke or MS invariablymeans a worrying time for everyone close to the patient. That s the time that you need access tosomeone who understands your condition and has the time to listen to your concern and allay yourfears. That goes for your spouse, partner and children too. Advice and counselling are also availablefor other conditions such as stress and cornerstone of the RED ARC service is the personal nurse adviser - highly experienced, registerednurses who will be the focal point for you and your family and tailor the support you need to yourparticular personal nurse adviser will be available to you by telephone in normal business hours, and will beable to provide information and support for as long as you need it.

10 Where appropriate, they cancommission additional services such as a home visit by a specialist nurse, counselling or ARC also has links with many charities specialising in your particular health condition, and canoften direct you to self-help groups that will help you come to terms, and cope better, with yourproblem. Home adaptation and special equipment to aid everyday living are other important areaswhere we can provide Red Arc service is free of charge and confidential. If you think you may be eligible you should ringRED ARC on 01273 716700 in normal business Travel PolicyAn excess of 50 is applicable for most policy sections. the excess is payable per person, per policysection per insured incident subject to a maximum of policy provides cover for the subscribing member, the members spouse/partner and dependantchildren under 18 years or 22 years if in full-time education, all normally resident with the spouse/partner and/or dependant children are covered if travelling independently from themember.