Locum insurance covers absence from work due to accident or illness with payments of up to £3,000 a week

Locums pay a vital role in helping practices or businesses to run if a key member of the team is off work due to an accident or illness.

 

Locums can cost you over £3,500 a week

While they play a vital role, locums can cost businesses in excess of £3,500 a week.

When you or your practice need locum cover, who covers the cost?

LocumPlan provides sickness and absence insurance and makes sure you are financially covered should you need our help.

Locum insurance that covers your locum and allows you to be paid

Our locum insurance cover provides financial cover to employ a locum and allows the policy holder to be paid for 12 months.

Our insurance can pay up to £3,000 a week depending on the level of cover you choose.

This is nearly double the £1,700 a week currently paid out by the NHS cover scheme.

We know our sickness and absence insurance reduces the financial pressure, provides reassurance and peace of mind and allows the business to run as normal.

Are you covered?

Are you covered?

Can you, your practice or business afford not to be covered by LocumPlan?

Get a quote

Get a quote

Getting a quote is easy. Simply fill in our online locum insurance quote form.

Benefits of Locum insurance

Other locum insurance benefits

As well as accident and illness cover, LocumPlan also provides additional financial benefits.

Read more

Accident insurance benefits

You will receive a lump sum payment if you suffer one of the accidents listed below.

Read more

Illness insurance benefits

You will receive a lump sum payment if you suffer one of the illnesses listed below.

Read more

Additional LocumPlan insurance benefits

We are also able to provide additional cover on top of our accident and illness cover.

Read more

FAQ

Who can take out cover?

We provide locum insurance for:

  • GPs, general practitioners and doctors
  • Salaried doctors,
  • Partners,
  • Practice managers,
  • Dentists,
  • Vets,
  • Opticians,
  • Opthalmologists,
  • Physiotherapists,
  • Pharmacists,
  • Solicitors,
  • Occupational health units,
  • Nurse practitioners.

How do I get a locum insurance quote?

Getting a quote is easy. Simply fill in our online locum insurance quote form.

How do I pay for my locum insurance?

Once the application has been approved and you are happy with the terms of the policy, you can make payment to start the cover.

You can pay by the following options:

  • Credit or debit card via the website (there is no charge for this).
  • BACS payment
  • Cheque (payable to LocumPlan)
  • Direct debit

Please note, direct debits are handled via Close Premium Finance. They will take 10 monthly payments. They will also charge an additional 7.20% of the total premium.

How often is my policy reviewed?

Policies run for 12 months and are renewed annually. You will be sent a renewal invitation around 4 weeks before your cover is due to expire.

This is a good time to review your cover and look to:

  • add new colleagues
  • add new partners
  • add new employees
  • remove people who may have left the business

What is Insurance Premium Tax or IPT?

Insurance Premium Tax (IPT) is a tax that is paid on all general insurance policies where the risk is in the UK.

Insurances liable for IPT include:

  • car insurance
  • home insurance
  • travel insurance
  • other protection cover
  • locum insurance

Insurances that don’t attract IPT:

  • life insurance policies
  • long-term plans with investment elements

How much is Insurance Premium Tax or IPT?

Insurance Premium Tax (IPT) is 12% of the premium. It is automatically included in any premiums we quote.

How do I renew my policy?

You locum insurance cover does not renew automatically.

You will be sent your locum insurance renewal invitation 4 weeks before your current cover is due to expire.

It will be sent with:

  • policy wording
  • insurance product information document
  • health declaration form

If you want to renew, then let us know as soon as possible. We will then let the underwriters know.

It is important that you complete the health declaration form so the underwriters can review the details. This may also allow them to delete existing exclusions.

Does locum insurance cover compassionate leave?

Yes, our locum insurance covers compassionate leave. It will pay the weekly sum insured for a maximum of 4 weeks.

Does locum insurance cover maternity leave?

Yes, locum insurance covers maternity leave.

A lump sum is paid after the claimant resumes normal duties. This is 5 times the weekly sum insured or £2,500, whichever is less.

Does locum insurance cover paternity leave?

Yes, locum insurance covers paternity leave.

A one-off payment is paid out after the claimant resumes normal duties. This is the lesser of the weekly sum insurance, or £1,000.

Does locum insurance cover jury service?

Yes, locum insurance covers jury service.

The insurance will pay the weekly sum insured or £250 a day, whichever is less. It is payable for a maximum of 52 weeks.

Does locum insurance cover suspension due to negligence?

Yes, locum insurance is suspended due to negligence.

It will pay £1,000 a week or the weekly sum insured, whichever is less, for a maximum of 6 weeks.

What if my return from holiday is delayed?

Locum insurance covers you if your return from holiday is delayed.

The policy will pay the weekly sum insured for a maximum of 4 weeks.

How much is the accidental death payment?

The accidental death payment is £10,000.

This can be increased to suit your needs.

Does locum insurance cover stress and mental health, including anxiety and depression?

This cover is excluded in the initial policy wording.

The underwriters are happy to review this once they have assessed your completed proposal form or a declaration of health form.

If the information meets their criteria, then the exclusion maybe removed.

Can locum insurance be used to cover pre-existing medical conditions?

Pre-existing medical conditions that have appeared in the last 12 months are initially excluded from the cover.

The underwriters are happy to review this once they have assessed your completed proposal form or a declaration of health form.

If the information meets their criteria, then the exclusion maybe removed.

What is excluded from the cover?

The full list of exclusions are under each section in the policy wording.

Here are the general insurance cover exclusions:

  • drugs and alcohol
  • nuclear, chemical and biological weapons following an act of terrorism
  • taking part in military operations
  • taking part in aeronautics
  • mountaineering and rock climbing
  • racing
  • self-inflicted injury
  • war
  • insanity
  • radioactive contamination
  • pregnancy and childbirth
  • HIV/AIDs (unless caused by needlestick injury)


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