NIRPOA plans
An exclusive health insurance product for members of the Northern Ireland Retired Police Officers Association.
Take advantage of our exclusive health insurance product, underwritten by AXA Health, a name you can trust.
Providing you with peace of mind, our private medical insurance plan means you can choose to manage your health at a time and place that suits you, enabling you to avoid the lengthy waiting lists.
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 Health, 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). These conditions will become eligible once you have been a member on the policy for two 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 one 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.
Useful documents
The role of Everywhen and NIRPOA
Everywhen is an independently authorised adviser, who acts on your behalf.
To support their members, NIRPOA works with Everywhen to enable Everywhen to market the plan, for which NIRPOA receives a fee.
Everywhen negotiates the overall renewal terms AXA Health 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 Health and NIRPOA, who do not represent you or negotiate any aspect of your healthcare insurance with AXA Health.
This policy is an individual contract of insurance between you and AXA Health. The subscriptions under this arrangement are set each year by AXA Health to take in to account the claims made by all the members of NIRPOA and their family members covered under the product.
*MHD will only be available to members who meet AXA Health's declaration.