Medical practice recovers from injury.

A keen sportswoman who loves a challenge, Sarah had been a GP for more than 10 years when she fractured several vertebrae in a skiing accident. She knew, better than anyone, that back injuries are unpredictable. Although she had no spinal cord damage, she would need surgery and several months off work. How would she keep her thriving GP practice going while she was recovering?

Fortunately Sarah had prepared herself for this possibility and could claim on two forms of insurance. Firstly, she had Personal Income Protection. Secondly, she had Locum Cover (a form of Key Person Cover), which would cover the cost of hiring a doctor to keep her practice going for up to one year. After nine months of rest and careful rehabilitation, Sarah was able to resume to her work as a GP.