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PAL Protect
Let us introduce you to your PAL Protect. Personal Accident & Optional Life & Critical Illness Insurance for Military and MOD Personnel.
If you have been a PAX policy holder, you will know the PA and Optional Life & Critical Illness scheme ends from midnight on 31/05/23.
The good news is that your new PAL has got your back, and your cover with PAL Protect will start from 00.01 on 01/06/23 in a seamless transition.
The MoD will no longer stop payroll deduction from 01/06/23.
If you had cancelled your cover amid all the recent changes, but want it back, just complete & submit the new JPA PAL 1 form (below in the documents section) so that your Unit HR can reinstate it before 15/06/23. We will then treat the cover as if it has been continuous. There will be no gap in cover, and no new exclusions or underwriting for pre-existing medical conditions.
If you don’t want your cover to continue past 31/05/23, let your unit HR know with the cancellation form, and they will make the arrangements for you.
What Stays The Same?
- The price
- Payments will continue through Payroll Deduction
- The Policy Wording
- Your existing choice of family or individual cover
- Your existing choice of Personal Accident only or including the Optional Life and Critical Illness Cover
- The number of units you have already chosen
- The ability to change the number of units from 1 – 15
- The amounts insured for each potential claim cause
- AIG as Insurer of the Personal Accident Cover
- MetLife as the Insurer of the Optional Life and Critical Illness Cover
- The Virtual GP service
- Access to PTSD support after leaving the service
- Legal Liability cover and limits
- Legal Expenses cover and limits (but with a different insurer)
- Presentations and help from the Valo Team
What Has Changed?
- The Name – we are your new PAL.
- The Legal Expenses Insurer has changed from Markel to AIG. However, the cover they offer is the same.
- PAL Protect Helpline 01423 297297 (or +44 1423 297297 from overseas).
- The Insurance Broker is now The Risk Factor Ltd – click here to find out more about us.
- Payroll deduction will no longer stop from 01/06/23.
- Every policy sold now includes a donation to PTSD Charities*
What is Coming?
- A new website from 1.6.23 – You will find us on www.palprotect.com
- Extended helpline hours to be more available for questions and support 08:00 to 19:00 Monday to Friday and 10:00 to 12:00 on Saturdays
- Online Chat with the Support Team.
- Email queries and support from through PAL@theriskfactor.com
- An IFA and a broker for advice if you need it.
Long Term Plans
- Easier administration and the ability to change your policy 24/7.
- More flexibility
- Optional extras
- Moving to a more Plain English Policy Wording
- The ability to use other payment methods.
- What is on your wish list? If you have suggestions for future changes, please send them to MoD@theriskfactor.com. If we use your suggestion (and you are the first to suggest it), we will send you a little something to say thank you.
Documents
Here you can find new policy documents to download.
- PAL Policy Wording
- PAL Application / Change request form JPA PAL 1
- IPID
- Policy Changes Notice
- Important Information / Demands and Needs
- TRF TOBA
Helplines
- PAL Protect Helpline 01423 297297 (or +44 1423 297297 from overseas) for the TRF & Valo teams 09:00 – 19:00 Monday – Friday and 10:00 – 12:00 on Saturdays
- AIG Helpline & Claims Line 020 8662 8126 (or +44 20 8662 8126) from overseas. Lines open 09.15 – 17:00 Monday – Friday
- MetLife Claims Line 0800 9171 222 (or +44 1273 872 492 from overseas). Lines open 09.00 – 17:00 Monday – Friday)
- PTSD Resolution Counselling Service 0300 302 0551. Lines open 09.00 – 17:00 Monday – Friday.
- Virtual Medical Care – GP Consultation Service 02 034 990 658. Lines open 24 hours a day / 7 days a week.
