📖 Surgeon Guide
The Surgeon’s Guide to Income Protection
When your income depends on operating, the cover has to be built around exactly that. Here is the short version.
Get a Free Quote →Surgeons sit at the sharp end of the own-occupation argument. The work demands fine motor precision and reliable vision, and the income tends to be high and built over many years. A condition that would barely register for most people can end a surgical list.
Add private and self-employed work — which carries no sick pay — and protecting the monthly income, not just life cover, becomes the priority.
Quick Answers
Surgeon Cover — Quick Questions
How large a benefit can I actually arrange?
Up to roughly 70% of earnings tax-free, which for many surgeons runs into five figures a month. These are cases we handle regularly, including the additional medical evidence larger sums require.
Does my private practice income count?
Yes. We build the benefit on your total earnings across NHS, private and self-employed work rather than a single salary line.
How do I stop inflation eroding the cover?
Index-linking. It lets the benefit rise over time so a policy you set up now still matches a consultant income years down the line.
Will previous treatment or surgery affect my application?
Possibly the process, rarely the outcome. Fuller underwriting on big sums is normal, and we manage it confidentially.
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.