Locum Insurance

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.

Insurance for GPs

If you’re a GP, you might decide to base the amount of insurance you want on the cost of a locum covering you, your colleagues, and staff. Locum costs vary significantly from one area to another, but you’ll probably know, from experience or from talking to other doctors in your area, how much you’d have to pay. And remember that, depending on the locum’s age, you might have to pay superannuation as well.

You can choose a policy that aims to ‘dovetail’ with the non-discretionary funding of GP performers’ sickness absence that was implemented in April 2017 and amended in 2018, or you can choose a policy that aims to cover the entire cost.

NHS Employers have confirmed that if you have an insurance policy in place, it will not affect the funding to which the practice is entitled.

Note that however you ask us to set up your policy, we won’t ask you to provide locum invoices if you need to claim. This means that if, for example, you’re insured for £2000 a week, this is the amount payable if you claim – regardless of whether you bring in a locum.

So, if you need to claim from your insurance policy, you can use the money as you see fit.

Insurance for Dentists and Vets

If you’re a dentist, vet, or an allied health professional, you might decide to take out insurance to meet the cost of a locum to cover for you (or a member of your team) in the event of unexpected absence.

Note that however you ask us to set up your policy, we won’t ask you to provide locum invoices if you need to claim for sickness absence. This means that if, for example, you’re insured for £2000 a week, this is the amount payable if you claim – regardless of whether you bring in a locum.

We won’t ask you for locum invoices, meaning you can use the money in the best way for your practice.

Locum Insurance - at a glance

For full details of the policy and how it would work for you, please call 020 3982 0420 or email enquiries@practicecover.co.uk.

No need to hire a locum – or provide receipts to make a sickness claim.
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 – included
Pregnancy-related illness cover – included
Winter sports – included
Normal holiday activities – included
Accidental death or injury – lump sums of up to £10000 paid
Eligibility – all partners/staff

Plus, depending on the Level of Cover you select:

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 in-patient – up to £50 per day (max of 90 days)
Hospital transport – up to £100 per day (max £2000)
Phased return to work – 50% of benefit paid for up to 35 days
Needlestick cover – £15000 payment if an injury results in HIV or provide receipts to make a sickness claim

Locum Insurance

Insurance for GPs

Insurance for Dentists and Vets

Locum Insurance - at a glance

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