What is locum insurance and how does it differ from most other health insurance policies? A short description of this policy may help answer these questions. The policy is usually agreed upon between the employer and employee before the start of the contract and can be paid for upon the expiry of the contract.

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What does locum insurance cover? As its name suggests, locum insurance covers you for any staff absences. A typical policy will cover for both regular full-time employment and voluntary part time work for which you have been offered a temporary contract of at least twelve months. A good policy will also cover for any unforeseen staff absences that exceed the normal seasonal pattern, for example: if a member of staff quits, or if the employer has to temporarily hire a member of staff in order to meet a deadline. For a lot more information on Locum Insurance, visit a site like https://www.mprs-uk.com/products/general-practice/locum-insurance/

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Once you have settled into a permanent contract and a suitable candidate for cover has been chosen, your policy will cover for your entire duration of the contract (the term). Depending on the policy, your cover will either cover for a set number of days up to an agreed limit or cover for a fixed number of days no matter the length of the contract. Your cover can also vary depending on whether or not the contract includes a payout at the end of each term.