For teachers, SBM’s, UK teachers and headmasters in schools/ academies, staff absence insurance is an essential consideration. These educators are responsible for the safety and wellbeing of students, and their absence can have significant impacts on their schools. As such, it’s important to ensure that the right policy is in place to protect against staff absences, whether they are planned or unexpected.
When shopping for the perfect staff absence insurance policy, there are certain key considerations to bear in mind. This article will outline these key considerations and provide useful advice and tips to help you find the best policy for your school.
Is it an annual policy or a continuous policy?
The first consideration to make when shopping for a staff absence insurance policy is whether it is an annual policy or a continuous policy. An annual policy covers absences until the end of the policy, and can be renewed each year if needed. With annual policy’s all claims cease at the end of the policy unless there is extra payment to build them back in for the year after. A continuous policy, on the other hand, covers absences for a much longer period of time and it allows for more certainty when it comes to longer absences such as maternity. Depending on your needs and budget, one option may be more suitable than the other.
What is the maternity payment amount for schools/ academies?
Maternity leave is another potential source of absences for school staff, and it’s important to check that the policy you’re considering includes this type of cover. One of the things to look out for is the maternity payment amount – this is the amount that will be paid out if a staff member needs to take maternity leave. It’s important to compare different policies to ensure that you’re getting the best deal.
Are there stipulations on accepting claims?
i.e GP checks or Certain timelines for uploading documents?
When shopping for a staff absence insurance policy for schools/ academies, it’s also important to check any stipulations on accepting claims – some insurers may require GP checks or have certain timelines for uploading documents. Make sure you’re aware of these stipulations before making a decision – failing to comply with them could delay or even prevent the payment of your claim.
What is your stress cover duration?
It’s also important to check what your stress cover duration is – this is the amount of time your policy will cover absences due to stress-related illnesses. Some policies may only cover these illnesses for a certain period of time, so it’s important to check before making a decision. It is also good to take into account what type of wellbeing services your provider can offer to help alleviate any absences a member of staff may encounter.
Pre-existing absences for schools/ academies?
It’s also essential to check that pre-existing conditions are included in your policy – these are conditions that existed prior to taking out your policy, and they may not be covered by some insurers. Make sure to decide if you would like them included before signing up for a policy.
Have you declared all your ongoing absences?
When taking out a staff absence insurance policy for schools/ academies, it’s also important to declare any ongoing absences you have already experienced – this will ensure that any future absences related to these conditions are covered by your policy. Failure to declare these absences could lead to issues with your claim later on.
Are you aware of any upcoming absences?
If you’re aware of any upcoming absences due to planned events or planned holidays, make sure you declare them when shopping for an insurance policy – some policies may not cover these types of absences, so it’s important to know before signing up.
Are you comparing like-for like quotations?
Finally, when comparing different policies it’s important to ensure that you’re comparing like-for-like quotations – make sure that each policy contains the same level of cover and that all other factors are taken into account when deciding which one is best for your needs. Receive your first quote here.
Conclusion for schools/ academies.
In conclusion, when shopping for the perfect staff absence insurance policy there are several key considerations to bear in mind. It’s important to ensure that the policy includes maternity cover, that pre-existing conditions are covered and that any upcoming absences are declared. It’s also essential to compare like-for-like quotations when shopping around for a policy, in order to ensure that you get the best deal possible. With the right policy in place, UK school teachers, SBM’s, support staff, headmasters and others can rest assured that their students will be safe and protected in their absence.