Locum insurance is a type of insurance designed for GP practices and doctors. It covers the cost of employing a locum, a doctor who steps in to cover for a GP who is absent because of illness, injury or other reasons. Here is some information about how it works.

How Locum Insurance Works

If a GP is unable to work because of an accident or illness, the practice still needs to provide care for its patients. Locum insurance pays out to help cover the cost of bringing in a locum until the GP is able to return to work. The amount paid and how long it is paid for will depend on the policy. For more information on Locum Insurance, visit a site like MPRS, providers of Locum Insurance.

Pre-existing Conditions

In the past, many locum insurance policies excluded pre-existing conditions. For example, if a GP already had back problems when the policy was taken out, they might not be covered for any future absence caused by back pain.

Choosing a Policy

Some policies are now more flexible about pre-existing medical conditions, so it is worth comparing what different providers offer. Always check the terms carefully, including any exclusions, waiting periods and limits, before choosing a policy.

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