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Police Welfare Fund Insurances Ltd has arranged for all members to purchase additional Life Insurance cover at very competitive rates. The low cost Life Insurance and Critical Illness cover helps protect your loved ones in the event of your death or diagnosis of a critical illness as defined under the policy.

This is a summary of cover only. Always refer to the Policy wording for full details of the cover provided. 

View Police Life Extra - Policy Document

Life Insurance Cover

Life insurance is to protect you and your family. It creates an asset when needed most - should you die or become terminally ill - providing a lump sum payment and financial security when your family needs it.
Life insurance can be used to pay off your mortgage and other debts, provide for your children’s educational needs and act as a safeguard for your family’s continued financial wellbeing.

Critical Illness Cover

A lump-sum cash payment when you need it most, to ensure that a crisis of health does not become a crisis of wealth.

Critical illness can strike anyone at any time. But these days, a critical illness no longer leads to inevitable death. This means that life cover alone - regardless of how much you may have - can be of no support during the weeks and months of convalescence and recovery.Critical Illness offers vital Financial Cover on the First Diagnosis of a defined Critical Illness.

The following critical illnesses are defined under the Critical Illness cover:

Accidental HIV Infection                   
Alzheimer’s Disease
Benign Tumour of the Brain or Spinal Cord
Chronic Liver Failure
Chronic Lung Disease
Coronary Artery Bypass Surgery
Critical Cancer
Heart Attack (myocardial infarction)
Heart Valve Surgery
Intensive Care Treatment
Kidney Failure
Loss of Independence
Loss of Use of Limbs / Sight of One Eye
Major Burns
Major Head Trauma
Major Organ Transplant
Meningitis / Meningococcal Disease
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy
Open Heart Surgery
Out of Hospital Cardiac Arrest
Parkinson’s Disease
Peripheral Neuropathy
Permanent Loss of Hearing
Permanent Loss of Speech
Pulmonary Arterial Hypertension (Primary)
Significant Cognitive Impairment
Stroke (resulting in functional loss)
Surgery to the Aorta

Critical Illness Cover also offers other Benefits and Options

The costs of surviving a life-threatening critical illness include expensive medical treatment during and after the illness, as well as the costs of specialist care and the vital therapy and convalescence that follows. The exact costs are obviously unknown but you can be certain they will be substantial. On the first diagnosis of one of the many common conditions defined under your Critical Illness Cover, you will receive a lump-sum cash payment - the amount of cover you have selected - that you can use, as you wish, to cover the costs of your medical treatment and recovery. And then you can do whatever you like, with whatever is left, to help achieve the security and peace of mind you deserve. At that point, your Critical Illness cover ends.
A Guaranteed Funeral Benefit

If you should die suddenly during the term of the policy, and if a Critical Illness benefit is not payable, your Critical Illness Cover will provide a guaranteed funeral benefit of $5,000. The policy document contains explicit and common-sense definitions and exclusions for the stated critical illnesses. Details may be obtained from Police Welfare Fund Insurances Ltd. The standard exclusions, however, are only those you would expect: addiction to liquor or drugs, self-inflicted injuries, and injuries from war.

Your Life Insurance protection and Critical Illness Cover are valid 24 hours worldwide.

To Apply

Applying for cover is as easy as completing a simple application form.


Our handy online life insurance calculator to help you work out how much life cover you have; how much you might need; and how much this will cost.

Benefit Nomination Form

This form nominates the person(s) to whom the Benefit will be payable, so it is important that if your personal circumstances change, this form is updated and sent to Police Welfare Fund Insurances Limited. A copy of the form can be obtained here.

Withdrawal from the Police Welfare Fund Ltd

If an insured ceases to be insured because they have withdrawn from the Police Welfare Fund Ltd, they may, within one month, apply to AIA and have a policy of insurance issued, for benefits equivalent to those at the time of withdrawal. The individual policy will be subject to the same terms, conditions and premiums being offered by AIA to the general public.

If you have any queries or need to make a claim please contact us.