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Call our teamWhat is Locum Insurance?
Our Locum insurance covers GPs, practice managers, and staff absences. There are various levels of benefit, deferred periods and cover you can select when deciding upon the cover you need.
The template for this cover was designed by MIC over 20 years ago and has evolved to include cover such as maternity and suspension cover as standard. Our unique policy has been designed specifically to provide the benefit you choose in the event of accident, sickness or any of the other insured events. We only need evidence of absence, whether this is spent on Locum costs or covering additional ‘in house sessions’.
It is up to you how you use the money.
Why take out Locum Insurance?
Quite simply it provides funds for the practice to employ a Locum. This is usually in the event of a member of its staff being incapacitated and unable to perform their normal duties within the practice. Alternatively you can stand the costs involved and be your own insurer – NOT RECOMMENDED.
Can I insure the full cost of employing a Locum?
Yes. You select the weekly benefit for each insured person. Plus, the benefit you choose does not have to be the same for all. You are able to structure benefit amounts and deferred periods to work with current contracts or partnership agreements.
Do I have to employ a Locum?
No. Whether you go through an agency, employ a retired GP or the practice partners absorb the extra work load the GP Locum Insurance benefit that you chose will be paid to you in full irrespective of how you deal with the absence(s).
How can you Benefit?
- A No Claims Bonus – if you do not claim on your insurance policy.
- A Group Practice Discount – where 3 or more people are insured.
- NHS Reimbursement Friendly – cover that dovetails to fill the gaps left by NHS only cover
- Free cover for Practice Managers – £500 per week on group policies.
- Premiums – not based upon gender.
- When You can apply – the minimum of paperwork and hassle.
- Value Client Discount – If you also arrange your Surgery Insurance or Professional Indemnity with MIC.
- Claims – your own claims assistant to help you through the tough time.
- A Seamless Transfer – when move to MIC from another provider.
- Commission Sacrifice – arrange your Long Term Income Protection through MIC and benefit.
How easy is it to set up cover?
We have ensured that your cover can be set up with the minimum of paper work. In fact we can get your cover in place over the telephone.
Why choose MIC?
We have been arranging GP Locum Insurance cover for our clients since 1997. We have guided them through the minefield of conditions and exclusions within policies. See real examples on our Blog of what can and what has gone wrong with policies. Our suite of policies have been designed specifically towards your needs.
We pride ourselves on providing a first class service. Our expertise ensures that you get the advice that is right for you. MIC Locum Insurance cover adapts with healthcare changes to protect you now and future.
Testimonial From a Practice Manager in London: I would like to recommend MIC for their policy. I changed from our previous Insurance Company about 9 months ago and saved almost £4,000 on the annual premium! In addition we have had a partner off sick and they have dealt with our claim and subsequent payments extremely efficiently.
Testimonial From a Practice Manager in Lancashire: We have changed our Locum cover and Surgery Insurance to MIC. They were the cheapest and appear to be very approachable, open and honest. No experience of claims to date.
See all TESTIMONIALS HERE:
