Private medical insurance

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

The NARPO healthcare plan

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 healthcare plan offering an excellent package of benefits at affordable prices.

The plan 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%

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. A list of available hospitals can be found here

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). These conditions will become eligible once you have been a member on the policy for 2 consecutive years and you have been completely free of any form of treatment, medical advice, drugs, medicines or special diets relating to that condition, for 1 consecutive year after joining the policy.

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 Towergate Health & Protection and NARPO

Towergate Health & Protection is an independently authorised broker, who acts on your behalf.

To support their members, NARPO works with Towergate Health & Protection to enable Towergate Health & Protection to market the policy, for which NARPO receives a fee.

Towergate Health & Protection negotiates the overall renewal terms AXA PPP healthcare offers on this plan, with NARPO agreeing the recommendation. NARPO has no other role within the administration of this arrangement.

For clarity, there is no commercial agreement between AXA PPP healthcare and NARPO, 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 NARPO and their family members covered under the product.

How to join

For a no obligation quote and review please call 0800 389 7724 (9am - 5pm Monday to Friday) to speak to one of our dedicated plan experts.