Key Benefits

No reductions in cover or premium increase if you make a claim

One of the biggest pitfalls in Locum Insurance is when changes in your health or claims impact on your future cover.  For example, you make a claim for a period of incapacity because of a back problem – at your next renewal your premium goes up, and/or an exclusion is placed on your policy, or worst case scenario, no further cover is offered.  This leaves you with poor cover, or no cover at all, and without any prospects of better cover via any alternative insurer. 

With our Platinum Plus policy, once your application is accepted, you can never be individually selected against for premium increases or changes in terms to your cover – regardless of the number of claims you make.

Flexible Benefits

Under any of our schemes cover is available in £10 per week units — up to a maximum of £2,500 (250 units) per week. There are two types of units — Plans A and B. Plan A covers the period from the 5th week of incapacity through to the 26th week. Plan B provides cover from the 27th to the 52nd week. Simply select the relevant level of cover you need under each plan.

Indexation

Benefits increase by 5% each year to help keep pace with rising locum costs – regardless of any changes in your health.  Of course your premiums also rise by 5% to reflect the increased level of cover.

Not just for GP’s

The whole practice team can be covered, either on an Individual or Group policy.  Cover under both Platinum and Platinum Plus schemes can be provided for Principals, Salaried GPs, Practice Managers and Practice Nurses up to age 70.

Long standing scheme

Doctor Insurance Services were one of the originators of Locum Insurance, providing cover for hundreds of GPs for over 30 years.  The product keeps evolving to meet the changing needs of practices and now provides a wide range of options to give  you more choice over your cover.

Underwriters

The underwriters of the Scheme are CHUBB European Group – one of the world’s largest specialist accident and sickness insurers.