Sickness and absence cover for your practice. Individual and group policies available.
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We offer a range of products for GP practices, taking into account the market and specialist requirements. We know that recent changes made by NHS England to the General Medical Service (GMS) Statement of Financial Entitlement means that you may be able to claim back reimbursement for some of your GP absence costs, but this may not meet all your needs and you may also wish to cover other members of the practice team who are just as important in its’ running. We have liaised with the BMA to understand the scheme and designed a policy that responds to the changes. Talk to our team about your options to ensure you have the right absence protection for your practice.
We understand that dental surgeries can have different requirements when it comes to managing staff absence. While it may not be as important to bring in cover for appointments when a dentist is absent, the financial implication of not being able to provide treatments can be significant, especially for extended periods of absence. This is why we provide cover that is not based on costs incurred through providing cover, but rather protecting the overheads of a practice while a member of the team is absent.
When a member of your veterinary practice is absent, it can bring a certain amount of stress and disorganisation to your business. Whether because you have contracts to fulfil and therefore need to bring in cover, or because you simply can’t provide your service for a period of time, it can be difficult, especially financially. Our Practice Benefits option does not require you to show us how you’ve covered your overheads during this period, we simply pay you a weekly benefit, that you can choose, until your member of staff is back at work.
In addition to GPs, dentists and vets, our experience in the medical insurance industry means we can also support opticians, osteopaths, chiropractors and pharmacists with our range of staff absence products. Whether you are looking for protection simply to provide cover for sickness and accident; or for a wider range of reasons for staff absence including jury service and suspension, we can provide a solution for you. Speak to our specialist medical team today.
We understand the obligation to your patients and how costly a locum can be when faced with an unexpected staff absence. Our policy leaves you to make the decisions regarding how best to serve your community and our personable approach offers expert advice at every step from quoting - to claiming - to reviewing and renewing.
We have delegated authority which means we can handle your claims direct from our office on behalf of the insurers. Keeping the claims process close to home means our in-house team can respond quickly and pay out even quicker.
With a sudden illness amongst your staff, finding cover becomes a matter of urgency. We endeavour to respond to all initiated claims with 24 hours, giving you peace of mind and assuring the continuation of your practice.
Our in-house locum insurance claims handlers are available Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24-hour helpline.
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Read about the changes in reimbursements of sickness cover for GPs from 2017/8, how they will affect locum insurance, and how Towergate can help cover your staff absence requirements.
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Your cover will not be reduced, restricted or removed as a result of making a claim or deterioration in health of any insured member.
Our policy provides 24/7 cover worldwide covering a wide range of activities. If your staff's hobbies and activities are more adventurous than tennis or football, just let us know as we can cover most activities from scuba diving to aviation.
Our locum insurance policy provides 'cover assurance' which means we guarantee you a renewal regardless of your claim history or situation.
If a member of staff returns to work within 26 weeks of an absence and the same condition re-occurs, the same claim can continue with a nil week excess period.
Yes, we are very happy to support a partial return to work. For example, if a GP undergoes surgery and could only return for two sessions per week, instead of 6 sessions, the policy allows you to claim for the 4 sessions that need to be covered.
Yes, as care industry experts we can also provide cover for vets, pharmacies, dentists and opticians for practice overheads and more.
Also known as an excess period, this is the period of time after which you will start receiving money from your insurance policy. For example, a 30 day excess period means you have chosen for your staff to be absent for 30 days before you are eligible. Zero excess/nil deferment period means you will receive payment from the day absence began.
A waiting period relates to the statutory 3 week period just after inception of a locum policy, rather than the period the staff need to be off.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.