Future telecommunication systems, commonly classified as 3G or 4G networks, will exhibit a range of wireless access technologies, ranging from GSM to UMTS to WLAN and WiMAX. A core issue in such heterogeneous wireless networks is the hand-over between different available access networks. This work presents a novel generic hand-over policy framework that abstracts from specific access technologies. The framework standardizes the way network parameters and user parameters are fed into the hand-over decision process. Thus, new access networks can easily be incorporated in existing network structures.