Plans
The benefits in brief...
Over £5 million has been paid out to claimants providing both Policyholders and Practices with peace of mind at the time it has been needed most.
- No reductions in cover if you make a claim - Unlike many other Locum Insurance Schemes, once your application has been accepted and all the time your cover remains in force you can never be individually selected for premium increases or reductions in cover - regardless of any claims you make. However, please note your Policy will be cancelled if your claim continues for the maximum 52 week duration.
- Payable after just 4 weeks - Benefit is payable from the 5th week of incapacity through to week 52 if necessary.
- Up to £2,000 per week - Benefits of up to £2,000 per week to help pay for a locum in the event of illness or injury.
- Optional Jury Service Cover - Optional additional benefit of £250 per day for up to 10 days should you need to employ a Locum whilst attending court on Jury Service.
- Up to 40% tax relief - The monthly premiums can be claimed as a business expense and as such are tax deductible. Tax relief is a feature found on very few locum insurance schemes (most do not meet the Inland Revenue’s strict rules governing the availability of tax relief).
- Available up to age 64 - Available to all Principals, Salaried GPs, Practice Managers and Practice Nurses up to age 64 at the time of application
- Cover for HIV and AIDS - It even provides cover for infection by HIV/AIDS as a result of needlestick injury or blood transfusion.
- Index linked - Index linking - to help protect the value of your cover against the effects of inflation, benefits and premiums automatically increase by 5% each year, regardless of any changes in your health. Index linking will not apply to the optional Jury Service cover if you choose to include it.
- Hundreds of GP’s already covered - The scheme already covers hundreds of GP’s in the UK.
- Essential Cover - Over £5 million paid out in claims.
- Underwritten by ACE - Underwritten by ACE European Group — one of the world’s largest specialist accident and sickness insurers.
