📖 Dentist Guide
The Dentist’s Guide to Protecting Your Income
Your livelihood runs through your hands and your eyesight. Here is how cover is usually shaped around that for associates and principals alike.
Get a Free Quote →Dentistry is one of those careers where a fairly small health problem can have an outsized financial effect. A wrist, a tremor, a deterioration in close-up vision — none of it stops you living a normal life, but any of it can stop you working chairside. That is the risk worth insuring properly.
Most associates are self-employed with no practice sick pay, so the monthly benefit is doing real work from day one of a claim.
Quick Answers
Dentist Cover — Quick Questions
Why is own-occupation cover non-negotiable for dentists?
Because it pays if you cannot practise dentistry specifically. A weaker definition might decide you are fit for some other job and decline — not much use when your skill set is this specialised.
Can I insure against losing fine motor function or eyesight?
Yes. Income protection responds to any illness or injury that stops you working, which includes hand, wrist, back and vision problems common to the profession.
Does NHS versus private work change anything?
We base the benefit on your total earnings across NHS, private and any associate income, so the figure reflects what you actually take home.
Should I sort life cover at the same time?
Many do — it is the natural moment to deal with practice loans and the mortgage in one go, and arranging it together keeps everything consistent.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. LifeInsuranceForMe is an FCA-regulated insurance broker; speak to us for a recommendation tailored to you.