Private medical insurance

An exclusive healthcare plan for members of the Northern Ireland Retired Police Officers Association

The NIRPOA healthcare plan

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

With private medical insurance you can have more flexibility with appointment times and choose a time that fits around your lifestyle and commitments. 

In association with AXA PPP healthcare, we are delighted to offer all NIRPOA members and their families' access to an exclusive healthcare plan which offers an excellent package of benefits at affordable costs. 

The plan is available for application for all NIRPOA members providing they reside in the UK. 

What's included

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

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 plan. A two year moratorium ensures that new conditions occurring after a member joins the plan are covered immediately. Conditions that occurred over five years before a member joined the plan 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 plan are subject to a two year qualifying period (moratorium) and can be covered two years after joining the plan, 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.

The role of The Health Insurance Group and NIRPOA

The Health Insurance Group is an independently authorised broker, who acts on your behalf.

To support their members, NIRPOA works with The Health Insurance Group to enable The Health Insurance Group to market the scheme, for which NIRPOA receives a fee.

The Health Insurance Group negotiates the overall renewal terms AXA PPP healthcare offers on this plan, with NIRPOA agreeing the recommendation. NIRPOA has no other role within the administration of this arrangement.

For clarity, there is no commercial agreement between AXA PPP healthcare and NIRPOA, who do not represent you or negotiate any aspect of your annual travel / healthcare insurance with AXA PPP healthcare.

This policy is an individual contract of insurance between you and AXA PPP healthcare. The subscriptions under this arrangement are set each year by AXA PPP healthcare to take in to account the claims made by all the members of NIRPOA and their family members covered under the product.

Useful documents

IPID - October 2018
Enrolment form

How to join

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

Affinity Partnership Team
The Health Insurance Group
West Park House
23 Cumberland Place
SO15 2BB

If you have any questions call free on 0800 389 7724 to speak to one our dedicated 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.