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.
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.’
Benefits which dovetail with the NHS reimbursement
We pride ourselves on staying up to date on the latest NHS reimbursement amounts so we can correctly plug the gaps in cover your receive from the NHS in respect of GP sickness and accident.
Jury Service
No deferment period applies. Up to 52 weeks’ benefit paid.
Suspension Benefit
Up to 52 weeks’ benefit paid.
Normal Holiday Activities
Normal holiday activities covered including but not limited to snow skiing.
Three different levels of Cover
Choose between 3 different levels of cover that allow you to select the benefits which meet the needs of you and your practice.
Deferment Period
Choose from 2, 4, 6, 8, 12 or 26 weeks; the longer the period, the lower the premium.
NEW Neonatal Care Leave included as standard
Anxiety/stress/depression cover
Protection extends to anxiety, stress, and depression.
Counselling expenses
Covered Up to 12 sessions up to £1500.
Compassionate Leave
No deferment period applies. Up to 4 weeks’ benefit paid.
Paternity/Adoption Benefit/Surrogate
Up to 35 days’ benefit paid.A lump sum benefit of up to £2500
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 Practice
GP
Insurance
Running a GP practice comes with challenges unlike any other. Rising patient demand and limited resources can leave little time to think about insurance, that’s where we step in.
Dentist
Insurance
We understand that every dental practice is unique. Whether you’re running a private practice or working within the NHS with a UDA commitment, your insurance requirements will differ.
Vet
Insurance
Running a veterinary practice brings unique challenges, with the responsibility of caring for animals and their owners. We know insurance isn’t always top of your to-do list, that’s where we step in.
Private Practices & Allied Healthcare
With evolving demands on social healthcare, many practices diversify by offering private healthcare. At the same time, more individuals set up their own practices or specialist businesses.