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?
When Injury Strikes Away from Work
A holiday over Christmas took an unexpected turn for one of our insured GPs after a swimming accident abroad resulted in a neck injury and ongoing nerve pain. The injury wasn’t permanent, but symptoms such as numbness and pins and needles meant a slow recovery that…
