NHS sick pay stops at 6 months full pay, then 6 months half pay at best, depending on your length of service. After that? That’s when income protection comes in with monthly payments until you can return to work.
Income Protection for Doctors
Protect your income if you can’t work, with specialist cover at exclusive rates for doctors.
13+ Insurers Compared
Clear, No-Pressure Advice
Trusted by Doctors
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: just your name, where you work, and contact details. Takes 2 minutes. We’ll then call to understand your needs and see how we can help.
02
We Handle Everything
We compare 13+ leading UK insurers to find your best match. Our specialists sort all the paperwork and negotiations, working with you to secure the strongest cover at the best price.
03
You're Fully Protected
Total peace of mind. Your income is secured. If you ever need to claim, we’re with you every step of the way to make sure you get the support you need.
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.
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Reviews
What Other Doctors Say
Our Price Promise
We compare 13+ leading UK insurers to find your ideal cover.
Found a lower like-for-like quote elsewhere? Let us know, we’ll do our best to beat it.
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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
Talk to an adviser who truly understands the dental sector and the unique challenges of your role, whether you’re an associate, owner, DCT/registrar, or part of a community or hospital team.
We Only Work with Health & Dental Professionals
From foundation year to consultant, 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.
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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?
Your consultation is completely obligation-free. If you go ahead with a policy, we’re paid by the insurer via commission, so there’s no advice fee charged 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?
The amount varies based on your individual circumstances and needs, with coverage available up to 70% of your income. We’ll work with you to determine the right level 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’ll work with you to ensure your needs are met if your circumstances change. We understand that life evolves, and we’re here to support you through different stages of your career and personal life.
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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