Critical Illness Cover

A financial safety net when you need it most

A £25,000 tax-free lump sum if you're diagnosed with a specified critical illness or medically retired from the Police Service, with your first 12 months completely free.

Available to those age 18-40

Cover till age 45

From £7.85 (non-smoker age 18-30)

First 12 months free

Get Critical Illness Cover Speak to our friendly team

What is Critical Illness Cover?

Our Critical Illness Cover is designed with younger Police Officers and staff in mind. It pays a tax-free lump sum of £25,000 if you're diagnosed with a specified critical illness, or if you have to leave the Police Service through illness or injury. For some conditions triggered in the execution of Police duties, the benefit rises to £50,000. It's a more affordable alternative to Income Protection, giving you a vital financial cushion when you need it most.

We will pay you the fixed lump sum if your premiums are up to date, you meet the qualifying conditions, and either of the following events occur:

- You are diagnosed with any of the critical illnesses listed in ‘What does the Critical Illness Plan cover?’, you survive the initial diagnosis by 28 days and you meet the other policy conditions for that illness.
- The lump sum benefit of £25,000 rises to £50,000 for some of the medical conditions, if the event is triggered in the execution of Police duties. Claims for the enhanced benefit will need to be supported with an e-safety form (or equivalent).
- You are in paid employment with a UK Police service and are medically retired, except where due to a mental or nervous condition.

We will not pay you the fixed lump sum if your incapacity, critical illness or medical retirement is caused by any of the following exclusions defined in the policy document covering:
War and civil commotion*
Hazardous sports and pastimes*
Flying, other than on commercial flights*
CBRN contamination*
Danger – deliberate exposure* (except in an attempt to save human life)
Alcohol or drug abuse
Criminal acts
Self-inflicted injury
Failure to follow medical advice
Military Service
Pregnancy
HIV – except where caused by blood transfusion, physical assault, or an incident occurring when performing police duties
Any pre-existing conditions you’d had:
received treatment for;
had sought advice for;
had experienced symptoms of;
was diagnosed with;
before commencement of this policy.

For medical retirement benefits – any mental or nervous conditions
For critical illness benefits – if you do not survive 28 days after diagnosis
*except where part of your police duties when you WILL be covered.

Critical Illness Cover is only available to those aged under 40. Those aged 40 or over could consider our Income Protection plan.

Get Critical Illness Cover Speak to our friendly team

At a glance

Lump sum on diagnosis of a defined critical illness
Medical retirement benefit included (for paid Police Officers and Staff only)
First 12 months’ premiums are completely FREE

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Made for the Police Family

Better protection

Our policies are fully protected by the Financial Services Compensation Scheme (FSCS). Designed to keep your savings safe if a provider fails, giving you peace of mind.

Built for the Police Family

A Friendly Society serving the UK Police Family for 130+ years.

Member-owned

As a mutual, all profits are returned to Members through bonuses and in support of the wider Police Family.

All serving and retired Police Officers, Staff and their families are eligible

How it works

Get covered quickly with a straightforward plan that pays a tax-free lump sum if the unexpected happens. Your first 12 months are completely free, so there's no reason to wait.

Choose your cover

Critical Illness Cover is available to serving Police Officers and staff aged under 40. Simply apply online or speak to our team. We'll provide you with a personal illustration showing your cover and premiums based on your age and smoking status. The plan also provides additional protection alongside the Federation's Reg 28 Insurance.

Pay a fixed monthly premium

After your first 12 months free, you pay a small fixed monthly premium based on your age band and smoking status. Premiums start from just £7.85 per month for non-smokers aged 18–29. You can pay by salary deduction (where available) or direct debit.

Claim a lump sum if something happens

If you're diagnosed with a specified critical illness and survive 28 days, or if you are medically retired from the Police Service (excluding mental and nervous conditions), you'll receive a £25,000 tax-free lump sum. For some conditions triggered in the execution of Police duties, this rises to £50,000. After a successful claim, the plan ends.

Key Information

Before you apply for Critical Illness Cover, please read the key information below.

Key Information Document

Full product information including charges, deductions and exclusions.

Download PDF

Application Form

Your Critical Illness Cover application. Please ensure all questions are fully answered.

Download PDF

Current Policy Wording

The full policy document including all definitions, terms and conditions.

Download PDF

Direct Debit Form

Complete this form to pay your Critical Illness Cover premiums by direct debit.

Download PDF

As a NARPO Member, I’m proud to say that Police Friendly & Metfriendly has delivered financial security for me and my family.

Craig Haslam, DL FGPT, Retired Chief Superintendent

Your presenters were really good and explained what can be complicated and complex matters, in a simple and easy to understand format.

Pre-retirement seminar attendee

Little bits of saving down the line can make a huge difference to your family, whatever the future brings.

Emma Richards, third generation Retired Police Officer, Police Friendly & Metfriendly Non Executive Director

I have always been pleased with the returns from my Police Friendly & Metfriendly Policies.

Mr P Payne

With the Government’s Lifetime ISA bonus and my family chipping in, I was able to buy my first home sooner than I ever dreamed.

Mr B

Great opportunity for family Members to be offered the same offers as Members.

Miss A McLeary

Contact us directly

Get free, personalised guidance on your savings and investment options.
For serving, former and retired Police Officers, Staff and their families.
A 20-30 minute session with one of our friendly team.

Call us today

08:30 to 17:00 Monday to Thursday and 08:30 to 16:30 on Friday.

01689 891454

Send a message

Get in touch using the email below or fill in the form to get a call back.

info@mpfs.org.uk

Office

MPFS, Central Court,
Knoll Rise,
Orpington
BR6 0JA

Get directions

Request a callback

Want to talk to one of our friendly team about your options? Drop your details on the form below and we will get in touch.