Private medical insurance

An exclusive group healthcare scheme for members of the National Association of Retired Police Officers

The NARPO group healthcare scheme

We’re all likely to get sick or injured at some point, and this can lead to needing to take time out of our schedules for appointments with doctors and specialists.

With private medical insurance you will be able to avoid long waiting lists for treatment. You’ll also have more flexibility with appointment times – allowing you to choose a time that fits around your lifestyle and commitments.

In association with AXA PPP healthcare, we are delighted to be able to offer NARPO members and their families’ access to an exclusive group healthcare scheme offering an excellent package of benefits at affordable prices.

The scheme is open for application to all NARPO members providing they reside in the UK.

What's included

  • Full private in-patient cover
  • Full cover for day patient procedures
  • Cancer cover
  • Up to £1,000 out-patient cover
  • Exclusive claims service
  • A choice of underwriting options
  • Optional worldwide travel cover with no upper age limit
  • No claims discount up to 50%

NARPO healthcare premiums

The monthly premiums for moratorium terms for NARPO Healthcare for the year commencing 01 March 2017 are as follows:

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Good to know

There is no qualifying period before claiming, however, an excess of £100 per person per year is payable in the event of making a claim.

Applicants will have the option to select from either moratorium or medical history disregarded (MHD) underwriting.

Moratorium underwriting terms have proven to be particularly good value for members joining the scheme. A two year moratorium ensures that new conditions occurring after a member joins the scheme are covered immediately. Conditions that occurred over five years before a member joined the scheme will also be covered immediately, provided that the condition has completely cleared - no symptoms, medication, advice, and treatment, in the previous five years.

Conditions that have occurred during the five years prior to joining the scheme are subject to a two year qualifying period (moratorium) and can be covered two years after joining the scheme, provided the two year qualifying period is clear of any symptoms, treatment, advice or medication.

Premiums for the MHD option are usually higher, but applicants selecting MHD will be covered for pre-existing acute medical conditions.

There is no qualifying period.

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How to join

To join, simply download and complete the application form and direct debit mandate and send to:

The Health Insurance Group
NARPO Travel Office
PO Box 29
Donaghadee
BT21 0WP

If you have any questions call free on 0800 112 4815 to speak to one our dedicated scheme experts.

In some circumstances we may not offer you a quotation or membership due to your medical circumstances. All claims are assessed for eligibility against both the terms and conditions and any individual exclusions placed on your policy at joining.

For full details of cover and the terms and conditions see the membership documentation.

Useful documents

NARPO - directory of hospitals
NARPO group scheme application form
NARPO - direct debit mandate
NARPO - no claims discount explained
NARPO Healthcare Members Handbook