Income Protection

Income Protection Plus

PG Mutual and OSGO are working together to protect the livelihoods of podiatrists.

Join Osgo to access the deal
umbrella

Have you ever had to step away from work, not just for a day, but for weeks or even months??

Whether you’re running your own clinic, working across multiple practices, or offering locum work, one thing is true: if you can’t work, your income eventually stops. Employer sick pay might last a few weeks – if you have it at all. And asking family to cover your salary? That’s a heavy ask.
That’s where Income Protection Plus comes in. When you’re unable to work through illness or injury, the last thing you need is financial stress. Our Income Protection Plus can help you stay financially secure, providing you with the regular income you may need, up until you are ready to return to work or reach age 65, whichever comes first.
umbrella

What you get with Income Protection Plus

  • Comprehensive cover. Protect up to 70% of your pre-tax income with a plan that suits your career, schedule, and budget.
  • Flexible start dates, you’re in control. Choose when your cover begins: from day 1, 7 or 14 or from month 1, 3, 6 or 12. You decide what works for you.
  • Tailor your protection to fit your needs. Whether you work full-time, part-time or are self-employed, you can adapt your plan to your schedule and budget.
  • Support when you need it most. We understand the pressures of your work. Our team is just a phone call away, ready to help when life takes an unexpected turn.
  • Wellbeing support for you too. Your membership currently includes free access to a 24/7 virtual GP and confidential counselling – because care starts with you. You can access both anytime via the Health Hero app or online.
  • Help getting back to work when you're ready. If vocational rehabilitation could support your recovery, we’ll offer it, with your wellbeing and readiness at the heart of the plan.

The Plus in Income Protection Plus

PG Mutual’s Income Protection Plus plan also includes a profit share feature that aims to pay you a cash lump sum at the end of your policy, whether you claim or not.