Income Protection Insurance For Doctors

income protection insurance for doctors

  • Insured Defence has special terms for Income Protection Insurance For Doctors
  • Age banded premiums not available on the big comparison websites
  • Cover for ill health starts from £24 per month
  • Cover up to 75% of your current earnings tax-free with ID income protection policies
  • With a successful claim, get paid within 28 days – a competitive deferred period
  • Immediate help if you are a victim of unfair and constructive dismissal
  • Get long term illness cover for your financial commitments
  • Your Insurance Requirements

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income protection for doctors


income protection policy





Best Income Protection Insurance For Doctors and other medical professionals

A Doctors income protection insurance policy is common because of the NHS sick pay entitlement and the exposure to half pay.  If you end up with ill health you may need to work out when NHS sick pay stops and if generous sick pay does exist.  Because the approach of insurance providers, doctors income protection cover can be very affordable that covers serious illness, support services, forced redundancy and other additional benefits.


Income Protection For Doctors with sabbatical cover and overseas cover- NHS sick pay guarantee

An income protection policy for a medical professional can do nhs sick pay mirroring or better with affordable monthly premiums.

Income protection benefit and critical illness cover can have reviewable premiums where your personal circumstances can be reassessed.  It’s likely that the most appropriate cover will be cheaper than the cover offered to construction workers for example.

The trade union is the BMA.  They may be able to advise on income protection cover with guaranteed premiums and critical illness insurance.  Wesleyan income protection and Aviva income protection may also be an option for doctors and surgeons medical income protection.

How much does income protection for doctors cost?

You can get cover for as little as £24 per month.


Appealing income protection insurance policies are Lloyds Bank mortgage payment protection insurance, Barclays Bank income protection insurance policies, Halifax income protection up to your retirement age, Legal and General critical illness insurance policies and Nationwide BS to cover loss of income.

Common deferred delays of Lloyds income protection cover, HSBC unemployment policies, Post Office income protection if you are made redundant, Legal and General income protection insurance policies, RBS unemployment cover policies and Nationwide Building Society income protection insurance that covers mental health are 30 days, 30 days and 70 days.

Common LTV percentages of LV= income protection insurance policies, More to Life statutory sick pay products, One Family continue to pay your mortgage if you lose your job insurance, Yorkshire Bank monthly outgoings insurance products, Principality Building Society clear policy details income protection insurance and Sun Life income protection with short waiting periods are 30 days, 31 days and 70 days.

Common LTV ratios of Aviva short term income protection policies, Shepherds Friendly nurses income protection reviewable policies, Sainsburys income protection up to your retirement age, Coventry Building Society high earners involuntary redundancy cover products, Newcastle Building Society income protection if you are made redundant and Cumberland Building Society regular income cover policies are 50%, 60% and 65%.

Difficult to insure job variants include Production managers and directors in construction, Customer service team managers, Hairdresser apprentices, Police officers (sergeant and below) and Wardrobe assistants.

Hard-to insure job types include Media researchers, Machine operators, Science apprentices, Cyber security apprentices and Programmer and software development professionals.

Challenging to insure job variants can include Journalists: Associate editor, Studio director, Orthotist, Carpentry and joiners and Teacher.

Challenging to cover job types can include Climate change lawyers, Solar farm managers, Globemakers, Commissioning and development executives and Makeup business owners.