FAQ

The Frequently Asked Questions page aims to answer the more common questions asked by practices, but if you can’t find the answer to what you are looking for then send us an email and we will answer you question as soon as possible.

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Yes you can at any time, but you will have to complete a new application form for the extra benefit that you require and terms will be given on that increase.

No, if your partners take over your sessions the benefit is still payable.

You can claim for up to 52 weeks less the deferment period you select.

Stress, anxiety and depression are included within the Locum Insurance Policy as standard.

It should include the repair or replacement of the main fabric of the practice building or buildings. It should also cover walls, gates, car parks, roads, paths and underground service pipes and cables within the property.

Yes we do. We were one of the first companies to introduce specialist Locum Insurance to medical practices some 14 years ago. Since then we have developed a full range of Locum/Absence policies that can deal with almost all situations.

Yes you can. We were the first company to introduce this facility 5 years ago.

No. We can include any employee of the practice.

Yes to cover most types of situations – From the largest hospitals/clinics to the smallest practice.

Yes. It is included automatically.

Yes. You will get “All Risks Cover” which includes accidental damage and “walk-in theft.”

Yes we do. We believe that there should be a difference in premiums between Practices/Individuals that claim and those that don’t. We were the first company, some 10 years ago to introduce a No Claims discount for both Locum/Absence Insurance and Surgery Property Insurance.

Yes. We introduced a valued Client Discount for clients who have more than one policy with us. We introduced this discount some 10 years ago.

Locum insurance is a personal accident and sickness policy specifically tailored to cover healthcare professionals when they are unable to work due to accident, illness or any of the other insured sections. This policy can be taken about by the practice or the individual, with group policies attracting a discount. The benefit paid out is intended to either employ a locum to cover your work or supplement other members of the practice income if they take over some of your sessions. This policy works well for all healthcare professionals such as GPs, Dentists, Nurses, Specialists and
Veterinarians.

This is a personal accident and sickness policy that can either be used to employ a replacement or to pay a benefit to the absent person/practice due to an insured peril within your policy. It can cover income and or expenses depending on how you are set up.

This type of indemnity insurance covers a healthcare professional or entity against negligence/errors that cause bodily injury, also know as medical malpractice cover. This could be for Consultants, Doctors, GP’s, Nurses, Dentists and any other healthcare professional that would have involvement with a patient.

A permanent policy, meaning it will be set up to cease at a certain age or time limit, covering you when unable to work due to illness or injury up to a specified benefit amount and with a defined deferred period.

This can vary and is based upon your speciality, experience, income and claims record. Premiums can start from as little as £450 and can increase into the tens of thousands. Using a good broker to explore your options can lead to significant savings without sacrificing cover levels.

Medical indemnity can be provided on a discretionary (medical defence organisations) or contractual (insurance) basis on a claims made or occurrence wording. As a broker I would only recommend a contractual basis given the very nature of discretionary cover. There are benefits to both the claims made and occurrence cover options, with claims made being the most common offered insurance policy.

Yes, you can cancel your insurance policy and the terms of cancellation will be within your policy wording provided. Generally, if it is not a personal policy then there is a 30 day notice period for cancellations.

As we do not handle claims on behalf of any insurers we work with you as our client to mitigate and issues that can arise during a claim. We will liaise with your insurer to resolve any disputes or help you understand why there may be an issue.

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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