Discounted Packages

We offer a choice of two income protection contracts specifically designed for VDPs, GPTs and FDs.

Both contracts offer initial cover of £300 per week tax-free. These payments will begin four weeks after the start of your illness or injury (this is known as the ‘deferred period’), dovetailing perfectly with the sick-pay terms of your standard training contract.

You can claim as many times as you need and the number of claims you make won’t affect the premiums you pay.

We offer a 90% discount on standard premiums for up to 12 months during your vocational training, offering cover from as little as £3 per month**.

	Essential VDP Package	Premier VDP Package
Initial Weekly Benefit Payments	£300	£300
Deferred Period	4 weeks	4 weeks
Number of Shares	1	1
Features	Level Benefits Benefit payments remain at a constant level in the event of a long-term claim.	Indexation of Benefit Payments Benefit payments increase in line with inflation in the event of a long-term claim. Escalation of Cover Cover increases each year in line with inflation. Increasable Sickness Benefit Cover can be increased by up to 30% at certain points in the future without the need for further medical evidence. Severe Disability Benefit Regular top-up payment of 20% paid in the event of severe disability. Enhanced Death Benefit One-off lump sum paid to your estate if you die because of the illness or injury within 12 months of the start of a claim.

When the discounted period ends, your contract will automatically convert to our standard contract with no deferred period, but with the same features that you chose for your discounted package.

At this stage, however, you can change any aspect of the cover to better suit your circumstances.

If you’re considering applying for membership of Dentists’ Provident, you should read the Key Features Document as it contains important information about the terms and conditions of membership.

** Monthly premium for a male non-smoker under the age of 27 is £2.37 for our Essential VDP package.

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