Significant Features
and Benefits:
• Eligibility
- All employees of the medical
practice under the age of 70
• Benefit
Policy - With the exception of
Compassionate/Bereavement Cover,
you do not have to hire a locum/temp to claim benefit
• Claims
Continuance - Weekly benefit will continue to be paid
for claims in existence at the expiry of the period
of insurance provided that we offer and you accept
renewal of the policy
• Claim
Deferred Period - Also known as the excess period,
you choose the number of
continuous working weeks after the first day of absence,
before any benefit is payable (Choose from 0, 1, 2,
4, 8, 13 or 26 weeks). The higher the excess period
the
lower the
premium.
• Phased
Return - If an insured person returns to work under
a phased return, we will continue to pay benefit at
a reduced rate of 50% for up to 7 working weeks
• Recurring
Illness - When staff return to work, but the same illness
recurs within 35 days,
no excess period will apply to the subsequent absence.
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• Stress
Cover - Included as standard
• Compassionate/Bereavement
Cover - no excess period applies. Up to one weeks benefit
towards the cost of hiring a locum/temp
• Maternity/Adoption
Benefit - A lump sum benefit of up to £2500 paid
after return to work within 6 months of the date of
confinement. An option to increase this benefit up
to £5000 and return within 12 months
• Pregnancy
- related Illness Cover Included as standard
• Paternity/Adoption
Benefit - no excess period applies. Up to one weeks
benefit paid
• Jury
Service - no excess period
applies. Up to 4 weeks benefit paid
(up to a maximum of £8000)
• Optional
Suspension Benefit - subject to a 4 week deferred period. Up to 52 weeks
paid
in the event of suspension from duty
• Option
to Guarantee Premiums - Fix your premiums for 2, 3 or even 5 Years
• Wiinter
sports covered as standard
• Needle-stick
cover included
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