Locum Insurance

Immediate cover available:  We can place customers on cover straight away subject to proposal form.

High sums insured available:  We can cater for cover up to £2,000 per week immediately and higher upon referral to insurers.

Over the phone increases / decreases in sums insured:  Easy hassle free changes to cover, over the phone, without the need for forms.

Cover available up to the age of 69 for new business:  Higher age range now available

Full Stress and depression cover:   No restricted Benefit period for this condition

100% cover available for practice:  Staff All members of the practice can be covered for their full salary or cost for locum replacement.

Automatic inclusion of Skiing cover:  No additional cost for skiing holidays

Waiting Period on Accident claims:  With an injury claim once the waiting period has expired, full cover is provided from the date of incident. There is no cost to the practice for an excess period.

Accident only and Accident & Sickness options available:  Customers can select from flexible options to tailor cover to suit their needs

Varied Benefit periods available ranging from 26 weeks to 52 weeks:  Choose the right benefit periods to suit the practice requirements

Capital and Death Benefits, included as standard, with the option to increase further:   A Lump sum payment to the Insured Member in the event of disablement / Death. Provided free and can be increased upon request to maximum of £100,000.

Maternity Cover included:  A lump sum payment of £5,000 is made to the policyholder once an insured member returns to full time employment after being away on maternity leave

Personal effect covers for damage from an accident:  We will replace personal effects damaged in the event of an accident up to £150.00.

Simple and easy to read Wordings, Schedules and Proposals:   Jargon free easy to interpret wordings and cover documents. Pre printed proposal forms simply check sign and return.

Flexible approach to underwriting:  A customer has the comfort of knowing that any request for change or inclusion will be considered

Worldwide cover for Accident and Sickness:  No restriction to cover for foreign travel.

Jury Service Included:  Up to 4 weeks cover for Insured members absent if called upon for jury duty.

GP Suspension Cover:  If a GP is Suspended by the Trust or GMC we will pay up to the benefit selected to cover cost of Locum

Pregnancy cover included Cover is no longer excluded for pregnancy related conditions

Family Illness Cover included:  If a partner or dependant children of an insured member are ill or injured, we will pay up to 4 weeks benefit to cover locum costs and enable the insured person to be at home or by their bedside.

Adoption / Paternity Leave:  If an insured member applies for leave as a result of child adoption or paternity leave following birth of a child, we will provide up to 26 weeks cover whilst they are absent.