The Scheme

Financial help you can count on to protect your practice

Nobody knows better than you that it takes years of hard work to build up a successful dental practice - not to mention considerable financial investment. The evidence is all around you in your surgery and premises.

Yet the fact is, it could all be put at risk - everything you have worked for - if an accident or serious illness stopped you from practising for an extended period.

Of course, an Income Protection plan could help to compensate you for loss of personal income, as would any NHS benefits to which you may be entitled.

But for a dentist, these are not enough. There are all the high practice expenses to consider, many of which you would still need to pay while you were away from the surgery.

Fortunately, there is an insurance plan for dentists that would help to ease the financial burden - Dentist Overheads Expense Insurance.

Both the Platinum Plus and Platinum versions of the plan are available to any principal dental practitioner (not associates) under the age of 60, working within the NHS and/or in independent practice. The plan already covers hundreds of dentists throughout the UK and is available exclusively through its designers Dental Insurance Services, and is underwritten by CHUBB European Group Limited.

Protect your overheads

Think for a moment about all the typical regular overheads of your dental practice. Salaries and wages. Rent or mortgage repayments for your premises. Rates. Equipment rental or loan repayments. Lighting, heat and water. Telephone and postage. Accountancy fees and insurance premiums. Depreciation. And probably more.

Dentist Overheads Expense Insurance can protect you for all of these and you can be covered for up to 80% of your monthly overheads. Just as Income Protection helps to protect your personal income, now you can ensure your overheads are protected as well.

overheads-expenses-pie-chart

Regular monthly benefits after just 30 days

If an accident or serious illness means that you are unable to work - whether temporarily or permanently - the plan will pay you up to £12,500 a month. Benefits are payable after just 30 days and will continue up to the end of the 12th month of incapacity or until you are able to resume working if earlier.

Protect your practice

  • Why take chances with everything you have worked for?
  • Why not apply now for Dentist Overheads Expense Insurance?

Then if you were unfortunate enough to suffer a serious injury or illness, the running costs of your practice would be securely protected for up to 12 months — saving you a great deal of anguish and financial strain.

The application is simplicity itself, with the absolute minimum of medical questions. What is more, no medical examination is needed and, once enrolled your cover can be maintained until you are 65 — no matter how many claims you may make over the years.

View cover information and premiums

Dental Insurance and Hurst Group are trading styles of R. J. Hurst and Partners Ltd.
Authorised and regulated by the Financial Conduct Authority.
Registered in England (No. 492768) 131-133 New London Road, Chelmsford, Essex CM2 0QZ