Benefits

An accident or illness could strike at any time and stop you from working - make sure you are adequately protected - join the hundreds of Dentists who are already covered by the plan TODAY!

Helping to protect everything you have worked for

No one likes to look on the dark side. We all tend to think that an accident or serious illness will never happen to us. But where the security of your practice is concerned, hoping is not enough. Quite simply, there is too much at stake. You need to be certain that you would be able to cope with the financial pressures and keep your practice going until you were fit and ready to work again.

That is why Dentist Overheads Expense Insurance makes very good sense. It could prove to be invaluable.

Dentists are particularly vulnerable to the financial consequences of a serious accident or illness.

If it happened to you and you could not work, do not forget that many of the practice overheads would still have to be paid. The costs would be considerable. It would be a real struggle to keep up with them, month after month. But the alternative - closing down your practice - does not bear thinking about.

The Dentist Overheads Expense Insurance Scheme provides financial benefits when you need it most — giving you security and peace of mind.

• Unlike many other schemes of this type, once your application has been accepted and all the time your cover remains in force you can never be individually selected for premium increases or reductions in cover - regardless of any claims you make. However, please note that your policy will be cancelled if your claim continues for the maximum 12 month duration.
• It helps to pay your practice overheads if you are unable to work due to illness or injury.
• Regular monthly benefits from £1,000 up to £10,000… to cover up to 80% of your practice overheads.
• The cover includes all regular overheads such as rent or mortgage repayments for your premises, employees’ salaries, rates, utility bills, equipment rental and so on.
• Benefits start after only 30 days and continue up to the end of the 12th month of incapacity.
• Low cost - from just over £8 a month.
• Up to 40% tax relief - the monthly premiums can be claimed as a practice expense and as such are tax deductible - effectively reducing the cost by
  up to 40%!
• 10% discount for non-smokers.
• It even provides cover for infection by HIV/AIDS as a result of needle stick injury or blood transfusion.