Why do doctors get sick
Practice management: when the doctor gets sick
The practice failure insurance is a useful addition to the daily sickness allowance insurance. In addition, every practice owner should have business interruption insurance.
The flu wave is in full swing, the doctor's offices are full, as is usually the case at this time of the year. But what if the doctor gets sick himself and is absent for a long time? Most resident doctors have taken out daily sickness allowance insurance for this case. However, many do not know that the daily sickness allowance insurance only covers the doctor's net income, but not the running costs of the practice such as rent, leasing installments or personnel costs. "If you are unable to work for a long time, this can quickly become a major financial burden," says Kai Waldmann, head of property insurance at the financial and asset consultant MLP. The practice failure insurance is therefore a useful addition to the daily sickness allowance. Another important insurance for the practice owner is business interruption insurance.
The daily sickness allowance insurance is a sum insurance that covers an abstract need of the doctor, which is limited to the net income. The insurance is usually taken out in conjunction with a private full health insurance with the same insurer. The agreed daily sickness allowance sums are paid in the insured event - taking into account waiting days - every calendar day until the inability to work ceases. The advantages of daily sickness benefit insurance: no examination of the specific loss of income from the practice in the event of incapacity to work, freely selectable sum up to the amount of the net income, benefits also on Sundays and public holidays, duration of benefits as long as the incapacity for work persists, the insurer cannot cancel
The business interruption insurance replaces the lost profit and the running costs such as personnel and social expenses, rent, business-induced interest or appropriate depreciation for the time of the restoration of the practice rooms after damage caused by fire, lightning, explosion, implosion, tap water, burglary, robbery, vandalism and Storm / hail. The sum insured should be well calculated.
The practice failure insurance (PAV) pays in the event of illness or an accident of the practice owner as well as an officially ordered quarantine for the doctor's practice. 100 percent incapacity benefit is usually paid in the event of illness. Under certain conditions, some insurers also pay for the costs from an incapacity to work of 50 percent. The basis for determining the sum insured are the fixed costs such as salaries, rent, interest, leasing installments and company insurance premiums for a year. Often the contracts also include interruption failures due to material risks, i.e. fire, burglary, tap water, storms and hail. However, these should be covered by their own business interruption insurance, advises MLP expert Waldmann: "The advantage of separate insurance is that in the event of material risks, in addition to the fixed costs, the lost profit of the practice is also insured." The practice owner should pay attention to this when taking out practice insurance that this can be continued up to the practical task. As a result, the final age in the contract must be at least 65 years. Important to know: A health check is always carried out when a practice insurance is taken out. In addition, a maximum entry age is conditionally defined and a surcharge is usually added to the premium from a certain entry age. Waldmann: "That is why it is important to take out a PAV as early as possible." In contrast, the fact that some insurers do not give notice in the event of a claim should be neglected. "The customer should always be aware that a termination is always possible on the next main due date," says Waldmann. And that could possibly be just a few months after an incident. It is much more important to pay attention to a good price-performance ratio.
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