Health Insurance

Dentists need to consider:

Permanent Health Insurance

Practice Overheads Insurance

Critical Illness Cover

Essential Product Guide

Permanent Health Insurance

• For a tax free income to replace a proportion of your personal drawings if you are unable to work through sickness, accident or disability.
• Benefits can commence immediately or after a deferred period.
• Typical cover up to a maximum of 60% of earnings.
• Cover to retirement (subject to payment of premiums).
• Benefits can be index linked.

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Practice Overheads Insurance

• Designed to meet practice expenditure if you are unable to work through sickness, accident or disability.
• Benefits taxable as business income.
• Premiums are tax relievable as a business expense.
• Benefits can commence immediately and are payable for a maximum of 12 months.

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Critical Illness Cover

• Tax free lump sum paid on diagnosis of a specified critical illness.
• Cover can be arranged on a whole of life basis or for a specific term.

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These Insurances are based on an assessment of the health of an applicant for previous or existing medical conditions and you should refer to policy documentation and seek advice in order to understand what the policy does and does not cover before making an application.