Medical Insurance Products

• Locum Insurance
• Private Practice Income Protection
• Surgery Insurance
• GP's Professional Indemnity
• Healthcare Establishment Professional Indemnity
• Staff Sickness Scheme
• Commercial Legal Expenses
• Pressure Vessels Inspections
• Private Medical Insurance
• Key Person Insurance
• Home Insurance
• Buy To Let Insurance
• Income Protection (PHI)
• Life / Mortgage / Critical Illness Cover
• Travel Insurance

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Permanent Health Insurance

This insures your income when you are unable to work due to sickness and/or accident and provides you with a "tax-free" income up to a specified age or early retirement (due to ill health).  You can insure up to approximately 60% of your income, although this can vary between insurers.

You decide how long you wait before the policy pays out - this should coincide with your Locum/Practice Expenses/PPIPs Cover in order to reduce the premiums involved.  It is not usually advisable to use a long term income protection policy for Locum/Practice Expenses/PPIPs cover.  It is important that the cover pays out when you are unable to carry out your own occupation rather than any occupation!

Variations of the cover available:

• Level or increasing benefit options
• Guaranteed or reviewable premiums
• Own Occupation, Any Occupation or Work Tasks
• Waiver of Premium option 
• Deferred period up to 24 months
• Guaranteed insurability option

We are able to provide quotations from a wide range of insurers and select the best cover for you as an individual.

To talk to an adviser about your requirements please call 0800 163870 or click the link below.