Locum & Practice Expenses

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We have been providing Locum Insurance to Medical Practices for over 15 years with same underwriter and have a track record of paying claims for over 95% of claims received. MIC Locum Insurance has been designed in consultation with GP’s and Practice Managers to accommodate the needs of all practices.

There are two types of policy available, Choices Locum Insurance and Simplicity Locum Insurance. The differences between the policies are shown below. The key difference being how a claim is assessed, such as using a pre-exisiting/absence basis or the terms applied to the policy at inception.

Choices Locum Insurance

• Personal Accident & Sickness
• Full Worldwide Cover
• Continuity of Cover
• Personal Possessions
• Needlestick Injuries
• Anxiety & Depression

• Winter Sports Cover
• Family Emergency – (optional)
• Suspension Cover – (optional)
• Jury Service Cover – (optional)
• Additional Death Benefit – (optional)
• Parental Leave Cover – (optional)

Each individual is medically underwritten using our individual application form. Specific terms are given for each individual to be insured, even if it is a group policy.

The terms offered will apply to that person at renewal, even if they have claimed or their health has changed, meaning we will not impose additional terms for the initial benefit requested. This is what we call ‘Continuity of Cover’, a method pioneered by MIC and widely regarded as the gold standard of cover for an annually renewable policy.

Simplicity Locum Insurance

• Personal Accident & Sickness
• Full Worldwide Cover
• Personal Possessions
• Needlestick Injuries
• Anxiety & Depression
• Winter Sports Cover

• Family Emergency
• Suspension Cover
• Jury Service Cover
• Adoption & Maternity
• Paternity Leave Cover

As the name indicates, this our simple to quote, apply and buy insurance product. Suited more for the cost driven client, it can provide all the covers above in a single policy, with no option of selecting the cover type.

The product is underwritten on a pre-exisiting or previous absence history basis, of 10 consectutive days in the last 5 years. Meaning, that if your client has been absent form work for 10 consecutive days in the last 5 years for any reason this will be excluded from the cover. Cover can be taken out by completing a simple group declaration, signed by the administrator for group policies and individual applications for individuals (one to two people).