Locum Insurance with MIAB 

• Eligibility - All employees of the medical practice under the age of 70
• Benefit Policy - You do not have to hire a locum/temp to claim benefit
• Claim Deferred Period - Also known as the excess period, you choose the number of continuous working weeks after the first day of absence, before any benefit is payable (Choose from 0, 1, 2, 4, 6, 8, 13 or 26 weeks). The higher the excess period, the lower the premium
• Phased Return - If an insured person returns to work under a phased return, we will continue to pay benefit at a reduced rate of 50% for up to 7 working weeks
• Recurring Illness - When staff return to work, but the same illness recurs within a defined period no excess period will apply to the subsequent absence
• Stress Cover - Included as standard
• Compassionate/Bereavement Cover - no excess period applies. Up to 4 weeks benefit towards the cost of hiring a locum/temp
• Maternity/Adoption Benefit - A lump sum benefit of up to £5000 paid after return to work
• Pregnancy related Illness Cover - Included as standard
• Paternity/Adoption Benefit - No excess period applies. Up to 2 weeks benefit paid
• Jury Service - no excess period applies. Up to 52 weeks benefit paid
• Suspension Benefit - subject to a deferred period. Up to 52 weeks paid in the event of suspension from duty
• Option to Guarantee Premiums - Fix your premiums for 2, 3 or even 5 Years
• Winter sports covered as standard
• Needle-stick cover - Included as standard
• Accident or Injury - Lump sums of up to £5000 payable on some plans