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Doctors and Surgeons: £3,000 Benefit Guarantee

At LV=, we don’t like the idea of your clients not getting what they paid for. So, we’ve introduced the LV= £3,000 Benefit Guarantee. It’s available to doctors and surgeons who are licensed and registered to practice in the UK with the General Medical Council.

With our £3,000 benefit guarantee, no matter how much your client’s income may have dropped or when they come to make a claim (as long as they are working at least 32 hours a week), we guarantee to pay them at least £3,000 a month. If they chose cover of less than £3,000 a month, then we guarantee to pay the level of cover they chose. Less any continuing income they’re still receiving (explained further in Appendix 1 of the plan conditions).

The aim of this guarantee is to protect your client against a genuine drop in income after they take out the policy. And because we won’t deduct anything if your client receives state benefits, they’ll get that money on top of what we pay them too. However, payments from this policy may affect your eligibility to claim some state benefits and the amount you are able to claim.

Doctors and Surgeons: Sabbatical Break cover

Our sabbatical break cover allows your client to take an extended break (up to two years) away from their role to study or work abroad. As long as your client continues to pay their premiums, we'll treat them as if they were working in their normal role, and they'll keep their normal level of cover, own occupation and definition of sickness.

Your client won't need to tell us they're taking a sabbatical, they just need to be able to prove:

  1. The sabbatical was approved by their employer
  2. And

    1. Their job was kept open for them

Please note your client is unable to benefit from sabbatical break cover within the first 12 months of their policy starting.

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.

More features

  1. NHS Sick Pay Guarantee
  2. Working abroad
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Quotes and questions: 0800 678 1890
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LV=, County Gates, Bournemouth, BH1 2NF, UK