Month: December 2014

Imagine you have just been offered a great premium for your practice’s group locum and you are just about to switch providers . Just before you do you notice something in the small print called a ‘pre-existing condition clause’. Most companies now cover themselves with a pre-existing condition clause. This usually means that regardless of who is covered if they have been off work for 5-10 days (varies on provider) for a ‘pre-existing condition’ then they are not covered for a set period of time. Now initially this doesn’t seem too bad (depending on time scales) but then let’s consider that recently a competitor has released a policy with a THREE year pre-existing condition clause! However what if you have a bunch of really healthy Doctors and Professionals who haven’t been off for the last 3 years? What does it matter then? Well it does, and it’s...