Because of this, we only feature a 12-months pre-existing clause, compared to the industry standard of 2 or 3 years. This means that even new practices can get covered and receive the financial support they need to protect their small teams.
Our high financial strength as underwritten by Lloyds of London ensures complete confidence and security. We also maintain a continuation option. This means that if the health of an insured person changes, we will not use this as grounds to cancel, decline, or restrict your policy.
Why Do I Need Dentist Locum Insurance?
If you are a busy dental practice, staff absence can cause several difficult staff absence can cause several difficulties and make you unable to provide treatment to your patients. Especially in a small practice, a single employee can make a big difference in their absence. Our dentist locum insurance is designed to be flexible and cover you for this eventuality.
Thanks to dentist locum insurance, you can be sure to respond quickly to unexpected staff absence. We respond to claims promptly, so your costs are covered if you need to hire extra help or cover additional expenses.
How to Choose the Best Locum Insurance for Your Dental Practice?
Before you choose a locum policy, ask yourself how your specific practice handles staff absences at present. Consider what costs commonly arise in such a scenario and what could be improved. We can tailor our policies to your contingency plans and cater to your specific needs.
The more deferment you can afford during absence, the cheaper a policy we can offer. We can also provide cover from the very first day a staff member can’t be present.
What Does Dental Locum Insurance Cover?
Our Dentist locum insurance covers a wide range of different absences. These include illness and injury, bereavement, and jury service. We can also cover delayed returns from holidays, paternity benefits, and suspension cover.
Rather than simply protecting your practice and the service you provide, our locum insurance can offer extra support and security to you and your staff in difficult times. That is why our policies can also include funeral expenses as well as medical and hospital expenses. Be there for your team in times of need and get covered for unexpected incidents.
What’s the Difference Between Locum Insurance and Income Protection?
Both locum insurance and income protection have policies to provide financial aid during illness and injury. This makes these insurance types easy to confuse. The critical difference between the two is as follows:
Locum Insurance provides benefits to the practice owner to cover their expenses in case of staff absence. They help with the costs of employing a locum or cover someone’s sickness or injury absence.
Income Protection Insurance provides financial benefits to the individual who is unable to work, therefore offering them some insurance-based income whilst they recover.
As a practice owner, it is worth considering both policies for yourself to make sure both your practice and your own needs are covered.
Policies typically include the following cover for insured members:
- Accident or illness anywhere in the world
- Medical and Hospital Expenses
- Funeral Expenses
- Personal Effects
- Jury Service
- Compassionate Leave Expenses
- Paternity Benefit
- Suspension Cover
- Revalidation
- Delayed Return from Holiday
Key Features of the policy include:
- High financial strength underwritten by Lloyds of London one of the most prominent insurance companies in the world.
- A 12 months pre-existing condition clause. To our knowledge this is the best on the market given our competitors either have a 2 or 3 year pre-existing condition clause (no claim can be made on a pre-existing condition during that time).
- A ‘continuation option’, meaning that the policy will not be cancelled, restricted or declined at renewal as a result of claims or on the grounds of variations in health of an insured person.
- Full 52 weeks payout. This means that if the defer (delay period) was 4 weeks the policy would pay for 52 weeks up to week 56 (our competitors tend to pay up to week 52 so for 48 weeks).
- No ‘admin charges’ or ‘broker charges’ that are associated with other policies on the market.
