Income Protection Plus
for RCGP Registrars
You’re training to become a GP, dedicating your life to caring for others, often while juggling placements, exams, and financial uncertainty. But have you ever thought how you would support yourself if illness or injury stopped you from working?
Your income fuels your journey, helping you stay independent, progress through training, and build the future you’ve worked so hard for. But illness or injury could interrupt that journey, leaving you without the income you rely on to get by. You might have access to sick pay for a while, some savings set aside, or support from family, but how long would that last? And what would the impact be on your lifestyle, your momentum, and your ability to focus on the future you’re building?
That’s where Income Protection Plus from PG Mutual comes in.
Income Protection Plus is designed with GPs in mind, including those still in training. If you were unable to work due to illness or injury, we could provide you with a regular replacement income so that your outgoings are covered until you recover or reach age 65 (whichever comes first).
Whether you’re working as a salaried GP, locum, or combining placements with part-time roles, our Income Protection is flexible to suit your needs.
PG Mutual and the RCGP are working together to bring you Income Protection Plus at a discounted rate. RCGP registrars are entitled to a 15% discount on their first five years’ premiums, ensuring you are protected throughout the rest of your GP training, into your early years of independent practice and beyond.*
If you are a fully qualified GP and RCGP member an alternative offer is available to you.
How Income Protection Plus
has helped a General Practitioner
Take Bijal (his name has been changed but his case is a real example). He had been working as a GP, both privately and for the NHS. He was in his mid-thirties and expecting a baby with his wife when he was diagnosed with a progressive neurological disorder which slowly reduced his ability to work before having to stop working entirely.
Initially, for the first six months, he was covered partly by the private practice and partly by the NHS, but he was soon in a position where these payments came to an end.
As a member of PG Mutual who had chosen Level Benefit he started claiming his income protection benefit of £4,000 per month and will continue to do so until he reaches the age of 65.
If you feel this might be the right support for you then get a quote today.
Why RCGP Registrars should choose PG Mutual
- We’ve been providing Income Protection cover for over 90 years. We specialise in the supporting GPs at every stage – full-time, part-time, locum, self-employed or in training.
- Income Protection Plus can provide you with cover for up to 70% of your gross income, or £1,500 per week (whichever is less).
- You can tailor a plan to suit your needs and budget. You plan can start paying from day one1, 7 or 14 or after 1, 3, 6 or 12 months – you choose.
- We can offer flexible cover for your role or a combination of different roles, which may demand a deferment period starting from day one up to twelve months.
- We can offer long term cover which can pay up until your 65th birthday or when you are fit enough to go back to work giving you complete peace of mind.
- Membership comes with current free access to a wellbeing counselling service for you and your family.
- Membership comes with current free access to a wellbeing counselling service for you and your family.
Income Protection Plus and more…
With Income Protection Plus and as a PG Mutual member you’ll also enjoy access to our range of product features and membership benefits.
If you feel this might be the right support for you then get a quote today.
*T&Cs apply. View here
Working in Partnership with
RCGP Conferences Limited are an introducer Appointed Representative (FRN 610437) of PG Mutual, the trading name of Pharmaceutical & General Provident Society Ltd.