Locum Insurance
Locum Insurance is designed to help GP practices and GP federations cover the cost of hiring a locum when accident, sickness or other insured absences affect their business.
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Protect Your Practice Against Staff Absence
With increasing pressure on healthcare staff, the absence of a clinician, partner or senior member of staff can have a significant impact on your practice. Short-term absences lasting a few days or weeks may be managed internally. However, if a key member of staff is absent for several months, arranging replacement cover can become a substantial expense. MIAB offers Locum Insurance designed to help practices meet the cost of replacing GPs during periods of absence.
Locum Insurance and NHS Sickness Reimbursement
MIAB offers an NHS Top Up Locum Insurance policy designed to work alongside NHS Sickness Reimbursement arrangements.
The Top Up policy combines the benefits of NHS reimbursement and Locum Insurance, allowing GP practices to make use of NHS payments for eligible sickness and accident absences while providing insurance protection for costs above the reimbursement received. The NHS Top Up Plan is designed to work alongside changes to the BMA contract arrangements.
Flexible Locum Insurance Options
MIAB offers Locum Insurance options for single-handed practitioners, large multi-partner GP practices and GP federations. Our expert advisers can help you consider the policies available and choose an appropriate level of protection.
Choosing Your Deferred Period
Locum Insurance policies offer a choice of deferred periods, also known as excess periods. The deferred period is the time between the start of an insured absence and when the policy begins paying benefits. Choosing a longer deferred period can reduce the cost of your insurance premium.
How Much Could Staff Absence Cost Your Practice?
The absence of a key member of staff for an extended period can result in additional costs when arranging locum cover. MIAB’s Locum Calculator can help you understand the potential financial impact of staff absence on your practice. By entering figures relevant to your own circumstances, you can calculate the potential cost of arranging replacement locum cover. Use our Locum Calculator to assess your potential costs.
Our Expert Advisers Will Help You Choose the Most Suitable Policy
Whether you are a single-handed GP, part of a multi-partner practice or a GP federation, MIAB’s advisers can help you explore the Locum Insurance options available. Our team can discuss the features, deferred periods and policy arrangements that may be suitable for your circumstances.Get a Locum Insurance Quote
Contact MIAB to discuss your Locum Insurance requirements and receive a free, no-obligation quotation. Get a quote or book an appointment with our team.
Staff Absence Cost Calculator
Estimate the cost of locum cover over 52 weeks.
| Cost | First 26 weeks | Second 26 weeks |
|---|---|---|
| Weekly | ||
| Monthly average | ||
| Total for 26 weeks |
Monthly figures use 52 weeks divided by 12 months. Displayed figures are rounded to the nearest pound. This is an illustrative estimate; eligibility, waiting periods, reimbursement limits and actual costs may affect the amount payable.
Estimated cost to your business over 52 weeks
After the reimbursement assumed above, where applicable.
Locum Insurance Key Features
All benefits are subject to the full policy terms and conditions. Not all features are available under every policy.
NHS Top Up Plan
Designed to work alongside NHS Sickness Reimbursement.
Personal Accident Cover
Up to £100,000, depending on the policy.
Group Discounts
Discounts for three or more members covered under the policy.
Accident and Sickness Cover
Including cover for mental illness.
Additional Absence Cover
Options include jury service, suspension while under investigation, revalidation and travel delays.
Benefit-Driven and Indemnified Policies
Benefit-driven options do not always require receipts when claiming, while indemnified options require receipts.
Maternity Cover
Options include a £5,000 lump-sum maternity benefit.
Compassionate Leave Cover
Available with no excess period under the arrangements described in the existing product information.
Paternity and Adoption Cover
Available with no excess period under the arrangements described in the existing product information.
Family Emergency Cover
Listed among the available features of MIAB’s GP Locum Insurance.
Fit Note Cover
Listed among the additional features of the Federation Locum Insurance offering.
Protection Against Variation in Health
Depending on the policy.
Why choose MIAB?
Sector specialists
Advisers who understand healthcare practices, not generic commercial brokers.
Named support
You deal with people who know your practice — not an anonymous call centre.
Plain English advice
We explain options clearly so you can make confident decisions.
Part of Benefact Group
Proudly part of a charity-owned group that gives available profits to good causes.
Common questions
Who is Locum Insurance for?
It is primarily designed for GP practices, though similar absence-protection products exist for other healthcare professions under Business Overheads or Practice Expenses Insurance.
How does the Top Up policy work?
The Top Up policy is structured to work alongside NHS Sickness Reimbursement: it tops up the shortfall between reimbursement and the actual costs of hiring a locum or covering sessions.
What is a deferred period?
The deferred period (also known as an excess period) is the time before any benefit is paid; choosing a longer deferral usually reduces the premium.