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Income protection medical bag

Doctors and Surgeons cover

Doctors and Surgeons aren't immune to ill health and accidents that could stop them from earning.

That's why our Income Protection includes a number of features which have been designed especially with doctors and surgeons in mind.

Which professions qualify for these features?

To qualify, at claim your client needs to be a Doctor or Surgeon who is;

  1. Registered (or provisionally registered) with the General Medical Council


  • Licensed to practice as a Doctor or Surgeon in the UK

Please remember that for the NHS Sick Pay Guarantee, your client must be employed by the NHS.

Do LV= class a junior doctor training in surgery as a surgeon?

We will always base our premiums on your client's formal job title at the time of their application. So unless someone is fully qualified as a Surgeon and that is their formal job title, they will qualify for Doctor's rates.

No HIV/AIDS exclusion

Doctors and Surgeons are often exposed to the risk of needlestick. And whilst the risk is small, you and your client can be reassured to know that we don't have exclusions for HIV/AIDS.

If you're unsure if the product is right for your client, you can speak to our adviser support team on 0800 032 4219 or email us at and we'll be happy to help. Our lines are open from 9am to 5pm Monday to Friday.

  1. NHS Sick Pay Guarantee
  2. £3,000 Benefit Guarantee
  3. Sabbatical break cover
  4. Working abroad
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Contact us about Income Protection

Quotes and questions: 0800 678 1890
More IP contact options

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LV=, County Gates, Bournemouth, BH1 2NF, UK