NHS sick pay stops at 6 months full pay, then 6 months half pay – if you even qualify. After that? Nothing. Income protection fills the gap with monthly payments until you can return to work.
Income Protection for Doctors
Don’t let illness end your earning potential. Protect up to 70% of your income with our best price guarantee and expert guidance.
100% Claims Success Rate
We Handle Everything
13+ Insurers Compared
Get Complete Income
Protection Without The Hassle
We sort everything out so you can focus on your patients.
01
Tell Us Your Requirements
Quick online form – no medical jargon, just the essentials about you and what level of cover you need.
02
We Handle Everything
We compare 13+ UK insurers to find your ideal policy. Our specialists manage all the paperwork and comparisons. You get the right cover at the best price, guaranteed.
03
You're Fully Protected
100% claims success rate – total peace of mind. Your income is protected. Should you need to claim, we’re with you every step of the way.
Why Doctors Need
Income Protection
01/
NHS Sick Pay Won't Cover Your Bills
02/
Private Practice or Locum? You're Completely Exposed
No employer means no safety net. One illness or injury could cut off your income completely. Income protection insurance provides guaranteed, tax-free income, regardless of how you work.
03/
What Your Policy Actually Covers
Monthly payments (up to 70% of your income), tax-free, paid until you recover, retire, or reach policy end – enough to maintain your lifestyle, keep your family secure, and protect everything you’ve worked for.
04/
Protection That Grows with Your Career
From foundation year to consultant, your income and responsibilities change. We ensure your cover evolves to match every stage of your medical career progression.
05/
"Own Occupation" Cover - Why It Matters for Doctors
Can’t perform surgery? Can’t see patients? You’re covered for your specific medical role, not just any job they could put you in.
Submit Your Details in 30 Seconds
Reviews
What Other Doctors Say
Our Price Promise
We compare 13+ leading UK insurers to find your ideal cover.
Found the same policy cheaper elsewhere? We’ll beat it.
Lower Your Current Policy
What Makes Us Different
We’re not just another comparison site. We specialise in income protection for doctors and that changes everything.
Personal Advice, No Call Centre
You’ll speak to a real person who understands your profession, not a call centre or chatbot. Just FCA-qualified, human help when you need it.
We Only Work with Health & Medical Professionals
From foundation year to fellowship, we know the lingo, the structure, and the financial blind spots most advisers miss.
Tailored Advice, Not Sales Targets
Our recommendations are based on your role, income, and career stage, not what pays the highest commission. No upselling. No pressure.
Trusted Specialist Providers
We’re not tied to any insurer, and we don’t favour one provider over another. With access to 13+ Top UK Insurers, we search widely to find the policy that truly fits you.
Get Started In 30 Seconds
Adam Surtees
Director at Affinity Advice
About Us
I founded Affinity Advice after seeing too many medical professionals stuck with income protection insurance that simply didn't work for them.
We cut through the jargon, not corners. No waffle, no confusion. Just straightforward advice that actually makes sense. We’re here to make income protection simple, so you can focus on your patients, not paperwork.
Everything is tailored to your medical career – your speciality, your income, your goals. We help you get the right cover at the right price, giving you complete peace of mind if illness threatens your livelihood. Our expertise ensures you’re not just getting any policy, but the right income protection insurance for your unique circumstances.
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Frequently Asked Questions
How quickly can I get protected?
Most doctors are fully covered within 48 hours. Submit your details now, speak to our specialist today, protected by tomorrow. No waiting, no delays.
Is your advice really free?
Completely free consultation with no obligation. We only earn commission if you choose to proceed, which allows us to provide expert guidance at no cost to you.
What if I have pre-existing health conditions?
Many doctors with health conditions can still get cover. We work with insurers who understand medical professionals and can often find suitable income protection insurance policies even with pre-existing conditions.
How much income protection insurance do I actually need?
Most doctors need 60-70% of their current income to maintain their lifestyle. We’ll calculate the right amount based on your expenses, existing benefits, and career stage.
What happens if I can't work due to stress or mental health?
Quality income protection policies cover mental health conditions just like physical illness. As a medical professional, you understand the importance of comprehensive mental health coverage.
Can I get cover if I'm planning to have children or go part-time?
Yes, we can structure income protection policies that adapt to career breaks, part-time work, and family planning. Your cover can evolve with your life circumstances.
Ready to Protect the Future You've Worked So Hard to Build?
We’ll help you get the right cover in place. Simply, affordably, and with expert guidance at every step.
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