At its best, continuity of cover on a locum insurance policy means that, following a claim, the insurer won’t alter the underwriting terms of the policy. So Dr Bloggs can rest assured that, even though he’s off time and again with a bad back, his locum insurance will pay out for repeated claims.
So shouldn’t all policies have ‘continuity of cover’ automatically built in? And, if not, why not? The financial advisers among you, who may be more used to IP than to locum insurance, may well look askance at the whole topic, thinking ‘don’t all policies work this way?’.
