Health insurance comes in two main sorts:-
- Income protection
- Cover for the costs of treatment - in the UK of private treatment
Income protection divides in two, and doctors should consider they may have a separate need for each:-
- Long term cover - to support a style of life if the insuree became unable to work again - this generally does not become active until six months of incapacity.
- Short term cover - starting after a period of days or weeks and persisting for typically six months. This is intended to cover a reduction in income following an injury or recuperation from an illness or operation.
In the UK doctors working in hospital have some short term cover provided by their employment conditions - note that this may not apply to someone who becomes ill between jobs. GP registrars should be aware of the change from hospital to Practice.