Private Practice Income Protection

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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.

You choose the benefit you require and the excess period, its that simple.  You can claim the amount insured for just by providing evidence of your absence from work.  There are two types of policy to suit your requirements and budget.

Listed below are the key elements of the cover:

  • Sickness / Accident / Absence
  • 24 hour Worldwide
  • Stress, Anxiety & Depression
  • Guaranteed Terms (Health Protector)
  • Jury Service
  • Suspension & Revalidation
  • Family Emergency
  • Sports & Winter Sports Cover
  • Accidental death benefit
  • Bereavement & Compassionate leave
  • Retraining after permanent disablement
  • Medical Expenses
  • Nursing home / Ambulance charges
  • Phased Return To Work

Additonal benefits include, No Claims Bonus, Group Discount and a seamless transfer from your current provider.

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Accreditations

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

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