Locum Cover

Locum Cover is an annual insurance.It is designed to meet locum costs incurred by, for example, medical, dental, veterinary and ophthalmology practices if one of the doctors, dentists, vets or a senior practice staff member is ill or has an accident. The insurance will pay up to the weekly sum insured until the individual is able to return to work (or for 52 weeks, if sooner).

LocumCover can also pays up to £250 a day for a maximum of 31 days if an insured person is summoned for jury service.

Who is the Scheme for?

Locum Cover has been designed for GPs, dentists, vets, opticians and others in similar occupations together with their senior practice staff.

Non-medical personnel employed by the practice can also be included in the Scheme – to a maximum of 75% of their gross weekly wage – unless the cost of a temporary replacement would be funded other than by the practice (e.g. by the PCT).