Protect your income. Preserve your lifestyle
As a doctor, your income supports not only your day-to-day lifestyle but also your long-term goals—mortgage repayments, family needs, school fees, and retirement planning. But what would happen if you couldn’t work due to illness, injury, or stress?
Income protection ensures that you continue to receive a regular, tax-free monthly income—even if you’re unable to work for months or years. It’s financial peace of mind tailored to the risks doctors face.
At Doctors Mortgages, we understand that doctors have unique needs, pressures, and working arrangements. That’s why we work with specialist insurers who cater to healthcare professionals, offering features like:
Read some of our recent client experiences
Doctors Mortgages are one of the UK’s leading specialist Mortgage and Insurance Brokers. Our insurance advice for doctors service can assist to get you the best possible cover.
We have almost 20 years experience arranging income protection for doctors and helping to protect our client’s lifestyles. As we only advise medical professionals we have built up an enviable in-depth knowledge of insurers benefits and how they best fit doctors needs.
Our insurance advisers have knowledge of NHS contracts and doctors pay scales, General Practice earnings and career paths of junior doctors during and post foundation programme.
If you are a hospital doctor at any level or a salaried GP or GP partner talk to us about your income protection. We can tailor a plan to suit your circumstances.
Find quick answers to common questions using our helpful FAQs.
It depends on several factors:
We’ll help you compare policies from trusted insurers and recommend the best value for your circumstances.
💡 Tip: You can reduce your monthly premiums by aligning the policy start date with the end of your NHS sick pay (often 6 or 12 months).
While NHS sick pay is helpful, it’s time-limited:
After 12 months, you may be without any income support. If you’re a locum or self-employed, your situation may be even more vulnerable. Income protection bridges the gap, ensuring continuity when employer or statutory support runs out.
We’re not just protection experts—we’re doctor-focused financial advisers. Our specialist knowledge means we:
Income protection is one of the most important financial decisions you can make as a doctor. Let us help you find the right policy, at the right price, with support tailored to your profession.
