FOR MEDICAL PROFESSIONALS

Protection Built
Around How You Work

Choose what describes you and see the cover that fits, and how it's best paid for.

Which describes you?

START WITH HOW YOU WORK

Which describes you?

Choose one. We'll show you what fits.

Your cover will appear here when you choose.

YOUR PROTECTION, EXPLAINED

Pure PAYE

You're an NHS employee, or you work through a payroll company as an individual or contractor, but your income is essentially PAYE. Your cover is paid personally, out of income you've already been taxed on, so it needs to be the right cover at the right price.

AN ILLUSTRATIVE NHS SICK-PAY EXAMPLE

Your pay can fall. Your bills do not.

Imagine illness keeps you away from work for more than a year. This example assumes more than five years’ qualifying service and a contract giving six months’ full pay followed by six months’ half pay, with no entitlement already used or discretionary extension.

Months 1–6
Full employer sick pay
Employer sick pay continues at the full rate, but extra shifts or private earnings may stop. A longer recovery could put more of your budget at risk.
How we plan for itWe check when your sick pay changes and match cover to that timetable.
Months 7–12
Half employer sick pay
Your employer sick pay halves. Your mortgage, food and family costs do not.
How we plan for itSuitable income protection may start as sick pay reduces, after the agreed wait.
After month 12
Employer sick pay ends
In this illustration, employer sick pay stops even if you still cannot work.
How we plan for itEligible monthly benefits can help with bills while you recover, within the policy’s payment limit.

This is an illustration, not everyone’s entitlement. NHS sick pay depends on service, contract and previous sick leave. Payroll-company workers may have different cover. It shows employer sick pay only; other benefits and household income are not shown. We check your actual contract and policy waiting period, exclusions and benefit limits.

BMA: example contract sick-pay entitlements

01

Personal life insurance

A lump sum for your family if you die.

When it mattersA partner or children would struggle to keep the home or pay the bills without your income.How it helps: A qualifying payout could clear debt or support your family’s future costs.

Paid personally, from your taxed income.

02

Personal income protection

A monthly income if illness or injury stops you working. For NHS employees, we fit cover around your sick pay — which can be up to six months full pay, then six months half pay, depending on your service and contract.

When it mattersA back injury or illness keeps you off work beyond the sick pay or savings you can rely on.How it helps: Eligible monthly payments can help bridge the gap after your agreed waiting period.

Paid personally, from your taxed income.

03

Personal critical illness cover

A lump sum if you're diagnosed with a covered serious illness.

When it mattersA covered serious diagnosis creates extra costs at home or means you need time to recover.How it helps: A qualifying lump sum can fund extra recovery costs or reduce debt.

Paid personally, from your taxed income.

04

Personal private healthcare

Access to private diagnosis and treatment, to help you get back to work sooner.

When it mattersYou want access to a specialist, scan or eligible treatment without funding the whole private bill yourself.How it helps: Covered treatment costs are paid within the plan’s limits—not your lost wages.

Paid personally, from your taxed income.

05

Personal indemnity insurance

The professional cover you need to practise, arranged through a specialist medical professional indemnity partner.

When it mattersYou start locum or private work, change procedures, or reach an indemnity renewal date.How it helps: Appropriate cover can help with covered legal costs and compensation claims.

Paid personally, from your taxed income.

Check what you already have.

Book a free 15-minute review

YOUR PROTECTION, EXPLAINED

Pure PSCPersonal service company, limited company contractor

All your income comes through your own one-person limited company, so there's no NHS sick pay behind you. Your company can pay for suitable cover, which may be more tax-efficient than paying personally from taxed income.

01

Relevant Life Insurance

Life cover for your family, used instead of a personal life policy, if you qualify.

When it mattersYour family needs life cover and suitable premiums could be paid from company funds instead of personal income.How it helps: A qualifying death benefit goes into trust for your family, not the trading business.

Paid by your company. Where tax relief applies, it reduces company profits rather than coming from your taxed personal income.

02

Executive Income Protection

A monthly payment to your company if you can't work, based on your salary and eligible dividends. It's taxed as pay when paid on to you.

When it mattersYou cannot work for several months and contract income stops, but household bills continue.How it helps: Eligible monthly payments help the company continue paying you, with payroll tax applied.

Paid by your company. Where tax relief applies, it reduces company profits rather than coming from your taxed personal income.

03

Company-paid critical illness cover

A lump sum to your company if you're diagnosed with a covered serious illness.

When it mattersA covered serious illness stops your work while the company still has bills or needs replacement help.How it helps: A qualifying company payout can help meet business costs during the interruption.

Paid by your company. Tax relief and how the money reaches you depend on how the cover is arranged.

04

Private healthcare through your company

Access to private diagnosis and treatment.

When it mattersYou want help with private consultation or treatment costs when a health problem affects your work.How it helps: Eligible private-care bills can be covered, subject to limits and any personal tax cost.

Paid by your company. Usually a taxable benefit for you, so we check the overall cost.

05

Indemnity insurance through your company

The professional cover you need to practise, arranged through a specialist medical professional indemnity partner.

When it mattersA new clinical contract requires your own indemnity, or the work you perform changes.How it helps: Appropriate indemnity can protect covered clinical and company liabilities.

Paid by your company. Where tax relief applies, it reduces company profits rather than coming from your taxed personal income.

Company-paid doesn't always mean tax-free. We'll check eligibility and tax treatment for each policy before you decide.

See what your company could pay for.

Book a free call

YOUR PROTECTION, EXPLAINED

NHS doctor, surgeon or consultantWith a private practice

You're paid PAYE by the NHS and run a private practice as a limited company, often taking dividends but no salary. NHS sick pay has limits, so we check whether your practice company can pay for suitable cover instead of you paying from highly taxed personal income.

AN ILLUSTRATIVE NHS SICK-PAY EXAMPLE

Your pay can fall. Your bills do not.

Imagine illness keeps you away from work for more than a year. This example assumes more than five years’ qualifying service and a contract giving six months’ full pay followed by six months’ half pay, with no entitlement already used or discretionary extension.

Months 1–6
Full employer sick pay
Employer sick pay continues at the full rate, but extra shifts or private earnings may stop. A longer recovery could put more of your budget at risk.
How we plan for itWe check when your sick pay changes and match cover to that timetable.
Months 7–12
Half employer sick pay
Your employer sick pay halves. Your mortgage, food and family costs do not.
How we plan for itSuitable income protection may start as sick pay reduces, after the agreed wait.
After month 12
Employer sick pay ends
In this illustration, employer sick pay stops even if you still cannot work.
How we plan for itEligible monthly benefits can help with bills while you recover, within the policy’s payment limit.

Your private-practice earnings could stop from the first day, even while NHS sick pay continues. We assess those two income gaps separately.

This is an illustration, not everyone’s entitlement. NHS sick pay depends on service, contract and previous sick leave. Payroll-company workers may have different cover. It shows employer sick pay only; other benefits and household income are not shown. We check your actual contract and policy waiting period, exclusions and benefit limits.

BMA: example contract sick-pay entitlements

01

Tax-efficient life insurance

Relevant Life cover for your family, paid by the company, if you qualify.

When it mattersYour household relies on your NHS and private earnings, with a mortgage or children to support.How it helps: A qualifying payout in trust can help your family manage without your earnings.

Paid by your practice company, rather than from personal income. Tax relief depends on the policy and your circumstances.

02

Critical illness cover

A lump sum to your company for a covered serious illness, helping keep the practice running when you cannot.

When it mattersA covered serious illness interrupts your private work while the practice’s fixed costs continue.How it helps: A qualifying company lump sum can help keep the practice running during recovery.

Paid by your practice company. Tax treatment and access to the payout depend on how it is arranged.

03

Income protection

Helps replace income if you can't work. We work through the steps below.

When it mattersIllness or a hand injury stops private clinical work while household and practice costs continue.How it helps: Suitable monthly protection can help with eligible income loss, while business cover addresses a separate practice need.

Paid by your practice company where the structure allows.

ONE STEP AT A TIME

How we protect your income

We only move to the next step if the one before isn't enough.

01
Start with your income
Executive Income Protection based on your salary and eligible dividends. It pays your company; money paid on to you is taxed as pay.
02
Not enough? Look at household income
If your salary or dividends are low because of tax planning, we check your spouse's eligible company income too. They must genuinely work in the business. Cover for either of you must meet the policy's rules.
03
Still a gap? Protect your practice profit
Key Person Profit Protection can cover up to 75% of the gross profit attributable to you, subject to eligibility. This pays your company, not your household directly.

NHS sick pay can be up to six months full pay and six months half pay, depending on service and contract. We check your entitlement and company income before recommending cover.

Book Your Complimentary Audit

WHAT WE LOOK AT

Cover that fits your life

We look at your circumstances before recommending an amount, a payment structure or a policy.

Who depends on your income

A partner, children or someone else you support. We look at what they would need if your earnings stopped, alongside their own income.

What you owe, and for how long

Mortgage payments, loans and school fees help set the amount and how long cover should last. We also look at the savings you could use.

What you are paid when you are off

Your actual sick pay, contract terms and savings decide how long you could manage, and when income protection should start.

What you already hold

We check existing policies and workplace cover before recommending more. Do not cancel a policy before any replacement is fully in place.

How you are paid

PAYE, salary, dividends or a mixture. We check whether you or your company should pay, and who would receive and be taxed on a payout.

Your age, health and work

Your health history, clinical role and budget affect the options and cost. We explain any exclusions or limits before you decide.

This page is general information, not a personal recommendation. We confirm what suits you, and why, in writing before anything is arranged. Cover depends on eligibility, policy terms and keeping up payments. We explain any exclusions and benefit limits before you decide.

PUBLISHED CLAIMS DATA

Claims, in context

These protection figures cover UK policyholders across occupations. They are not doctors-only data or a guarantee of your claim.

UK · 2025 claims year97.9%

of individual protection claims were paid

Across individual protection policies—not an income-protection-only or doctors-only rate.

ABI protection claims release

UK · 2025 claims year£209m

paid in individual income protection claims

Total payments across individual policies. This is not a typical payout or a suggested level of cover.

ABI protection claims release

UK individual policies · 202565%

of critical illness claims were for cancer

A share of claims, not the chance that a cancer diagnosis qualifies. The policy’s definitions still apply.

ABI protection claims release

Your payout depends on the cover you choose, accurate application information and whether the claim meets the policy’s terms. Source: ABI, published 29 June 2026, reporting on 2025.

PEOPLE YOU CAN TALK TO

Meet your advisers

Tom Hitchcock

Tom Hitchcock

Founder, Owner & Senior Protection Adviser

01202 978663 tom.hitchcock@broadbench.co.uk LinkedIn

Mike Cooke

Mike Cooke

Owner & Senior Protection Adviser

01202 978662 mike.cooke@broadbench.co.uk LinkedIn

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Our protection advice is free to you. We're paid by the insurer.

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