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Income Protection Insurance, Safeguarding Your Future
Protect
Your Income
In healthcare, you’re used to handling the unexpected. But if illness or injury put your income on pause, could you keep life moving without worry?
Income protection insurance ensures you still receive a regular income if you’re unable to work due to illness or injury. It keeps your financial life on track, so you can focus on getting better, not stressing about missed paycheques.
Why Healthcare Professionals Need Income Protection Insurance
01
You can’t plan for illness, but you can plan for its impact
No matter how secure your role feels, sickness or injury can swiftly turn stability into financial strain. Income protection is the safety net that lets you focus on recovery, not scrambling to cover bills.
02
Self-Employed Healthcare Professionals Face Greater Risks
There’s no employer safety net. If you’re self-employed or locum, your income can vanish overnight if illness strikes. Income protection gives you a vital monthly payout to keep your lifestyle, home, and future plans intact.
What Is Income Protection Insurance?
Income protection insurance provides a regular, tax-free monthly income if you’re signed off work due to illness or injury. Unlike a lump-sum critical illness payout, it supports your financial needs over time, whether that’s for a few months or several years, depending on your policy.
With cover through Affinity Advice, you can:
Replace up to 60-70% of your usual income
Keep up with mortgage or rent payments
Cover daily living expenses
Protect savings and long-term financial goals
Recover at your own pace without financial panic
NHS Income Protection Tailored to You
If you work for the NHS, you likely benefit from a generous sick pay scheme, but it doesn’t last forever. Income protection for NHS staff is something we support individuals with frequently. It helps bridge the gap between your salary and what your employer provides.
After the initial months of full and half pay, many healthcare workers are left vulnerable. Our NHS income protection solutions ensure that when sick pay reduces or stops, your lifestyle, home, and family plans don’t have to.
01
Smooths the transition from NHS sick pay to private cover
02
Covers essential living expenses without draining savings
03
Gives peace of mind to focus on recovery, not finances
Income Protection Insurance for Medical Professionals
Doctors face constant demands, changing contracts, locum shifts and private work. Our income protection flexes with your career, offering tailored financial support that keeps pace with the real pressures of your life in healthcare.
Income Protection Insurance for Dental Professionals
Whether you’re running a busy practice or working as an associate, your income supports not just your home life, it also powers your professional responsibilities. We protect it all, so illness doesn’t mean starting over.
Why Choose Affinity Advice?
01/
Dedicated Adviser Support
02/
Specialist Healthcare Expertise
We understand the contract structures, sick pay gaps, and career risks unique to healthcare professionals.
03/
Extensive Protection Options
We compare options from 13+ leading UK insurers, providing genuinely unbiased recommendations.
04/
Proven Claims Success
100% of valid claims set up by Affinity Advice have paid out — because we do it right, first time.
Trusted by Doctors and Dentists Nationwide
Keep Your Life Moving Forward, Even If Illness Slows You Down
Life doesn’t pause when you can’t work. Let’s protect your income — and everything it supports — with personalised advice built around you.
