Locum Insurance
Complete Locum Insurance Cover
Locum Insurance is designed to cover costs that will be incurred if a practitioner is unexpectedly unable to work.
If you’re taking out cover for your practice, we’ll ask you how much money you would need on a weekly basis for each of the colleagues and members of staff you’d like to insure.
What does Locum Insurance cover?
No Need to Hire a Locum
No need to hire a locum or provide receipts to make a sickness claim.
Public & Products Liability
Public & Products Liability up to £10 million with no excess.
Choice of Continuity
Choice of Continuity of Cover or Annually renewable with a price differential
Continuity of Cover
Unlike our competitors who tell you what they won’t do we tell you what we will do. Your policy will say: ‘‘…the terms applying at the Effective Date shall continue for as long as the Insured continuously renews this policy. Any increase or change will be underwritten accordingly at the time of the amendment.’
Deferment Period
Choose from 2, 4, 6, 8, 12 or 26 weeks; the longer the period, the lower the premium.
Benefit Period
Choose any period up to 52 weeks.
Recurring Illness
When you return to work, but the same illness recurs within 13 weeks, no deferment period will apply to the subsequent absence
Anxiety/stress/
depression cover
Anxiety/stress/depression cover is included.
Pregnancy-Related Illness Cover
Pregnancy-related illness cover included.
Winter Sports
Winter sports are included.
Normal Holiday Activities
Normal holiday activities are included.
Accidental Death or Injury
Lump sums of up to £10000 paid
Eligibility
All partners/staff
Needlestick Cover
£15000 payment if an injury results in HIV or provide receipts to make a sickness claim.Compassionate Leave
No deferment period applies. Up to 4 weeks’ benefit paid.
Maternity Benefit
A lump sum benefit of up to £2500.
Paternity/Adoption Benefit
A lump sum benefit of up to £2500
Jury Service
No deferment period applies. Up to 52 weeks’ benefit paid
Suspension Benefit
Up to 52 weeks’ benefit paid
Revalidation
Up to 20 days’ benefit paid.
Fit Note
Up to 35 days’ benefit paid.
Delayed Return From Holiday
Up to 4 weeks’ benefit paid.
Coma Cover
£50 per day for up to 90 days.
Funeral Expenses As a Result of Accident
Up to £5000 paid.
Medical Expenses
Up to 10% of claim payment (max £15,000).
Dental Expenses
Up to £250.
Domestic, Childcare, Chauffeur Expenses
Up to £5000.
Home Modification
Up to £5000.
Hospital Transport
Up to £100 per day (max £2000).
Phased return to work
50% of benefit paid for up to 35 days.Each policy is uniquely designed to meet your needs, with tailored benefits that can vary – terms and conditions apply.
Locum Insurance FAQs
Who is Locum Insurance for?
Locum insurance provided by Practice Cover has been especially designed for:
- GP’s
- Dentist’s
- Vets
- Pharmacists
- ANP’s
- Allied Health Professionals
- All Practice Staff included in a General Practice, dental Practice, Veterinary Practice.
If you can’t, see your practice or role on this list – give us a call at 0203 982 0420 to ask.
What is the difference between Locum Insurance and Income protection?
If I own my Practice – can I have a Locum Insurance Policy?
Insuring Your Industry
Surgery
Insurance
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Dentist
Insurance
Tailored illness and injury cover for dentists, safeguarding you, your practice, and your team.
GP
Insurance
Illness and injury cover designed for doctors protects your practice and team, including locum insurance.
Health Professional Insurance
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