Back on the theme of ‘continuity of cover’, what if you have decided you need continuity of cover and you find a cheap locum insurance policy which claims to offer it? Are all policies the same? Well, as every good shopper knows, buyer beware. If a policy says it offers continuity of cover, fight your way through the eye-catching headlines, the guff and bluster, and read the small print. If the ‘continuity’ safeguard applies only if a set of complex and long-winded conditions are satisfied, make sure you understand what those conditions actually mean. For example, if a policy says that continuity is subject to a ‘claims ratio of x%’ does that mean the policy is likely to pay out or is notlikely to pay out?
How do locum reimbursement changes affect your practice?
Many GP practices are paying for locum insurance based on outdated NHS reimbursement rates, simply because no one has told them the rates have changed at renewal. That matters more than most practices realise. If your policy hasn’t been reviewed recently, you could be…
