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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Private Practice Income Protection (PPIP)

Our Private Practice Income Protection product has been specifically designed for medical professionals conducting private work solely or in addition to their NHS contract.  You will receive a benefit from the NHS trust that employs you if you were to have an accident or fall ill, but they would not replace the income you earned from private work and may rely upon.

Our PPIPs policy is an annual policy that covers your income from private practice work.  In the event of your being unable to work due to accident or sickness the policy will pay out for up to 52 weeks, less the deferred period.  The premiums payable for the policy can be treated as a trading expense and are thereforeare tax deductible.

If you currently rely upon a long term income protection policy (PHI) to cover your income it is definitely worth your while looking at taking out a PPIPs policy and pushing the deferred period for your income protection policy to 52 weeks, depending on your entitlement for sick leave from your NHS trust.  This method will save you money even when you take into account the additional premium you pay for the PPIPs policy.

Key benefits of the policy are:

• Full Worldwide cover for Accident and Sickness
  
  
• Stress,anxiety and depression included as standard
  
  
• Jury Service included as standard
  
  
• Winter Sports cover included as standard
  
  
• Continuity of Cover (once an application is underwritten the terms of cover will not change at renewal for the previous sum insured, whether you claim or not)
  
  
• No Claims Discount
  
  
• Highly flexible cover terms, including split deferred periods and benefit
  
  
• Cover available for sporting/hobby activities not normally covered by standard policies
  
  
• No pre-existing condition exclusion wording
  
  
• No hidden small print
  
  
• 6 months interest free payment facility*

Please click the link below to request a quotation or telephone one of our advisers on 0800 163870 with your requirements or queries.

* subject to a minimum premium level of £750