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Police and civilian receive bravery awards for their - New Zealand ...

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<strong>New</strong> Zeal<strong>and</strong> <strong>Police</strong> Association<strong>Police</strong> Health Plan rule changesBy Chris Pentecost, <strong>Police</strong> Association CEOThe introduction of the opportunity<strong>for</strong> members to elect membership of<strong>Police</strong> Health Plan with a $500 excesson surgical procedures has proved verypopular, with over 1,100 membersalready selecting this option.The $500 excess has meant the Rulesof <strong>Police</strong> Health Plan needed to beamended to reflect this change, <strong>and</strong>this occurred at the July Board meeting.At the same time, the Board took theopportunity to make a number ofother changes to the Rules to clarifyboth <strong>their</strong> status <strong>and</strong> consistency ofapplication in a changing environment,including obligations imposed by newlegislation <strong>and</strong> regulations.Specific definitionThe Rules now include a specificdefinition <strong>for</strong> the Excess Option <strong>and</strong>Policy Excess, <strong>and</strong> Rule 7 has beenamended to reflect the underlyingconditions associated with selecting toapply the excess option. In summarythese are:• Where the Excess Option is selectedthe excess applies from the date theExcess Option is notified to theCompany;• Where a member chooses to changefrom the Excess Option to no excessthe enhanced cover will not apply <strong>for</strong>90 days from the latter of notifyingthe Company of the removal or anyrequired premium is paid; <strong>and</strong>• Where you switch from a voluntaryexcess to the no excess option, a90-day st<strong>and</strong> down period willapply be<strong>for</strong>e cover with no excesscommences. All conditions thatwere existing under the voluntaryexcess option will still incur thevoluntary excess if any procedureon this condition is carried out afterswitching to a no excess cover.Formal complaints procedureUnder the new legislation all insurancecompanies are required to have a <strong>for</strong>malcomplaints procedure. <strong>Police</strong> HealthPlan is a member of the Insurance<strong>and</strong> Savings Ombudsman scheme <strong>and</strong>a new Rule has been introduced toaf<strong>for</strong>d members, who have a complaintnot dealt with to <strong>their</strong> satisfaction,to take that complaint up with thisorganisation.Other changes to the Rules include:• Clarifying the definition of what is aCosmetic Treatment;• Introducing a new definition <strong>for</strong>Healthcare Services;• Introducing a new definition <strong>for</strong>Health Screening;• Clarifying the definition of the Policybetween the Plan <strong>and</strong> Members;• Clarifying the definition <strong>and</strong> cover<strong>for</strong> a Pre-existing Condition;• Introducing a new definition <strong>for</strong>Prophylactic Healthcare Services;• Clarifying the definition <strong>and</strong> cover<strong>for</strong> Unapproved Healthcare Services;• Clarifying the definition of Usual,Reasonable <strong>and</strong> Customary (URC);<strong>and</strong>• Consolidating the provisions in boththe Rules <strong>and</strong> the Brochure in termsof where no benefits will be paid.A full copy of the new Rules of <strong>Police</strong>Health Plan are on the Associationwebsite at www.policeassn.org.nzor are available through the MemberServices Centre by emailingenquiries@policeassn.org.nzWhy your Life Insurance BenefitNomination Form should be up to dateUnusual findIn the event of your death, whom wouldyou like your life insurance paid to?This is the question that haunts the <strong>Police</strong>Welfare Fund Insurances section.If you or your partner have any of thefollowing:• Sworn Group Life Insurance• Non-sworn Group Life Insurance• <strong>Police</strong> Life Insurance ExtraThen you need to make sure that <strong>Police</strong>Welfare Insurances holds a current BenefitNomination Form <strong>for</strong> each policy.What is a Benefit Nomination Form?A Benefit Nomination Form allows you todecide who will be the beneficiary of your lifeinsurance payout in the event of your death. Ifyou have a <strong>New</strong> Zeal<strong>and</strong> <strong>Police</strong> Sworn GroupLife policy, it also asks you to provide thedetails of your partner whose life will also beinsured under the Partner Life Benefit.Why should you complete a BenefitNomination Form?This <strong>for</strong>m is held independently from your will<strong>and</strong> estate. The policy owner (<strong>Police</strong> WelfareFund Insurances Limited) will pay the benefitto whomever you specify on the <strong>for</strong>m, insteadof your estate.If we do not hold a <strong>for</strong>m, any benefit underthe Policy will be paid to your estate. In theabsence of a will at the time of death (if youdie intestate), it can take some time to finaliseestate issues. In this event, <strong>Police</strong> WelfareFund Insurances Limited will not be able toassist with any initial life benefit payments toyour surviving partner.Not sure if you have completed a <strong>for</strong>m?Easy, log on to www.policeassn.org.nz <strong>and</strong>on your ‘My Profile’ page you will be able toview whether we hold a <strong>for</strong>m <strong>for</strong> you.If you haven’t already filled one in or need toupdate this you can print one from the Forms<strong>and</strong> Documents section on our website.• The police officer who sent this photo to<strong>Police</strong> <strong>New</strong>s made the comment that hedoubted <strong>Police</strong> would celebrate <strong>their</strong> next150 year anniversary by brewing a specialcommemorative beer as they did in 1986.This unopened bottle of beer was foundrecently underneath a Waiheke home thatwas being searched pursuant to 18(2)(3)of the Misuse of Drugs Act 1975.August 2011189

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