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What Is Covered Under MIAB's Absence Based Locum Insurance?

The Medical Insurance Advisory Bureau (MIAB) aims to provide a unique, bespoke locum insurance policy for the UK medical profession.

Locum Insurance - What can I be covered for?

You can be covered for absence relating to:

Accident / illness
Stress & Depression
Maternity Leave
Paternity / Adoption Leave
Compassionate leave 
Jury Service
Suspension
Revalidation

 

You can also benefit from: 

Guaranteed Premium Rates 
Continuity of cover
Increasing cover option
Waiver of premium
Death & Capital Benefits
Flexible Underwriting
No locum receipts required
100% of benefit paid on claim

 

Locum Insurance - What are the exclusions?

The full range of exclusions is shown in the standard Certificate of Insurance
In summary, they are:
* taking part in aeronautics - (as a pilot)
* self-inflicted injury
* war
* radioactive contamination
* HIV/AIDS unless caused by needlestick injury and STD's

Please note that there is no automatic exclusion for anxiety, stress or depression.

Locum Insurance - For how long is the Sum Insured paid?

The Sum Insured will be paid for as long as the insured person remains temporarily totally unable to work, up to a maximum of 52 weeks including the deferred period. If he or she returns to work before the end of this period, the payments will cease.

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