My staff member is healthy now, but what happens if they get sick in the future?
Your cover will not be reduced, restricted or removed as a result of making a claim or deterioration in health of any insured member.
What if a staff member is injured outside of work?
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 motorcycling.
Will making a claim on locum insurance affect my cover?
Our locum insurance policy provides 'cover assurance' which means we guarantee you a renewal regardless of your claim history or situation.
Does the locum policy provide cover for re-occurring conditions?
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.
Does the policy cover partial return to work?
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.
Do you provide staff absence/overheads insurance for other types of surgeries?
Yes, as care industry experts we can also provide cover for vets, pharmacies, dentists and opticians for practice overheads and more.
What is a deferment period in relation to locum insurance?
Also known as an excess period, this is the period of time after which you will start receiving money from a claim under your insurance policy. For example, a 4 week excess period means you have chosen for your staff to be absent for 4 weeks before you are eligible. We offer flexible excess periods to tailor your cover to your own needs with anything from 1 week to 13 weeks, or 26 weeks. The longer the excess period you choose, the lower your premium will be.
What is a waiting period in relation to locum insurance?
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.
Where can I find more information about monthly Direct Debit?
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.