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Locum Insurance

Since 1997, MIC have specialised in providing Locum Insurance for our clients, offering expert guidance to navigate the complexities of policy conditions and exclusions. With insights from medical professionals, practice managers, and seasoned healthcare insurers, we’ve crafted a suite of policies tailored to your specific needs. Our commitment to first-class service and ongoing expertise ensures you receive personalised Locum Insurance advice that suits you best. When you choose a Locum Insurance policy with us, you can trust it’s designed to meet your current and future needs, as we continuously adapt to the evolving healthcare landscape.

What is Locum Insurance & Absence Insurance?

Locum Insurance  and Absence Insurance from MIC provides cover for GP Partners, Managing Partners, Salaried GP’s, Practice Managers and other members of staff in the event of an accident, illness or absence. There are various levels of benefit, deferred periods and cover you can select when deciding upon the locum insurance and absence insurance cover you need.

The template for Locum Insurance as you know was designed by MIC over 20 years ago and has evolved to include cover such as maternity and suspension cover as standard.  Our unique policy has been designed specifically to provide the benefit you choose in the event of accident, sickness or any of the other insured events.  We only need evidence of absence, whether this is spent on Locum costs or covering additional ‘in house sessions’. It is up to you how you use the money.

Why take out Locum Insurance & Absence Insurance?

Quite simply it provides funds for the practice to employ a Locum in the event of a member of its staff being incapacitated and unable to perform their normal duties within the practice. Alternatively you can stand the costs involved and be your own insurer – NOT RECOMMENDED.

Can I insure the full cost of employing a Locum?

Yes.  You select the weekly benefit for each insured person – the benefit you choose does not have to be the same for all.  You are able to structure benefit amounts and deferred periods to work with current contracts or partnership agreements.

Do I have to employ a Locum?

No.  Whether you go through an agency, employ a retired GP or the practice partners absorb the extra work load the Locum Insurance benefit that you chose will be paid to you in full irrespective of how you deal with the absence(s).

How can you Benefit?

  • A No Claims Bonus – if you do not claim on your insurance policy.
  • A Group Practice Discount – where 3 or more people are insured.
  • Free cover for Practice Managers – £500 per week on group policies.
  • Premiums – not based upon gender.
  • When You can apply – the minimum of paperwork and hassle.
  • Value Client Discount – If you also arrange your Surgery Insurance or Professional Indemnity with MIC.
  • Claims – your own claims assistant to help you through the tough time.
  • A Seamless Transfer – when changing to the MIC Locum Insurance & Absence Insurance from another provider.
  • Commission Sacrifice – arrange your Long Term Income Protection through MIC and benefit.

How easy is it to set up cover?

We have ensured that your cover can be set up with the minimum of paper work.  In fact we can get your Locum Insurance cover in place over the telephone.

Why choose MIC for Locum Insurance?

We have been arranging Locum Insurance for our clients since 1997, guiding them through the minefield of conditions and exclusions within policies (See real examples on our Blog of what can and what has gone wrong with Locum Insurance policies). Our suite of policies have been designed specifically towards your needs with the help of medical professionals, practice managers and experienced healthcare insurers.

We pride ourselves on first class service and expertise ensuring that you get the advice that is right for you.  When you take out a Locum Insurance policy with MIC you can be assured that it is going to be right for you now and in the future, as we continually update your Locum Insurance in line with the changing healthcare environment you work in.

Testimonial From a Practice Manager in London: I would like to recommend MIC for their Locum Insurance policy. I changed from our previous Insurance Company about 9 months ago and saved almost £4,000 on the annual premium! In addition we have had a partner off sick and they have dealt with our claim and subsequent payments extremely efficiently.

Testimonial From a Practice Manager in Lancashire: We have changed our Surgery Insurance to MIC and we have our Locum Insurance with them also. They were the cheapest and appear to be very approachable, open and honest. No experience of claims to date.

See all TESTIMONIALS HERE:

Product Literature

Accredited

Medical Insurance Consultants Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 309026.

Personal

We are committed in providing a first class service to all our clients, not just when you take out a policy, but throughout the life of your policy. We make sure that you have the support and advice needed when it comes to claiming.

Professional

We have been operating for over 30 years specialising in the insurance needs of healthcare providers and professionals. Our aim is to continue to develop, innovate, improve and reduce the cost of insurance for all our clients and future clients.

Contact us today to see how much we can help you save

Let us provide you with a quote and you can see the benefits for yourself

Call our team


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