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What Value do You Put on your Eyes and Hands?
Safeguarding against an accident that may affect the ability to use one’s critical body parts such as your hands and eyes is imperative. Consider the effects of being out of work due to a permanent hand or eye injury.
There are many reasons that people insure their body parts. Sports stars, like David Beckham, often insure their legs and musicians, such as The Beatles insure their fingers and other parts. It’s not hard to see how their career could be over if something happened to their ability to kick a ball or play an instrument.
If you think about the value placed on celebrities’ body parts – millions of pounds in some cases – it should really make you think about what value you put on your eyes and hands as a hard working professional.
Losing the use of one or both or your hands or eyes would seriously impact your ability to carry out your job, in some cases it could make it impossible to continue. If the worst was to happen, having a back-up plan is vital.
The cost of hand or eye damage can be significant
It has never been more important for dentists to protect themselves against allegations of dental negligence, compensation claims and damage to reputation. Dental indemnity insurance is crucial but you need to be aware of the differences between policies.
Most individuals rely on dexterity and hand-eye co-ordination to complete many tasks as part of their job.
A surgeon, for example, could not operate on a patient if they had a wrist injury or damaged finger and a dentist could not carry out dental work on a patient if they had blurred vision or loss of sight. The same would apply to a tattooist, musician and construction worker.
If these injuries were permanent, it would essentially be career ending. If you are unable to work in a profession that you love and have trained so hard for, it can be devastating. Not only would you be suffering from a physical disability, but it’s possible it could lead to mental trauma and financial trouble.
When you realise how important your hands and eyes are to the success of your career, it is prudent to protect them as much as you can.
The options for protecting yourself and your career
Our personal accident insurance providers have been chosen with healthcare professionals in mind and means you could receive a significant lump sum payment in the event of a claim. A policy with All Med Pro for example, could see you with a payout of between £100,000 and £500,000, depending on your specific policy and injury.
This amount provides financial stability, and one less worry during a difficult time. You could use the money to complete home improvements, fulfil a lifelong ambition or even retrain in an alternative profession. Safe in the knowledge that you are initially financially secure means that you can concentrate on your physical and mental wellbeing.
When considering protection for your career-vital physical assets, it’s wise to do your research and speak to specialist providers such as All Med Pro.
The team at All Med Pro will provide support in choosing the right cover for you so you can be safe in the knowledge that if the worst happens, you will receive the financial support you need.
Yes, whether you are a medical professional, tattooist, construction engineer you can insure your hands and eyes in the event of permanent disability. This type of insurance is not just exclusive to sports stars and celebrities.
As a starting point would be to evaluate what the cost impact would be to your life. If we’re unable to continue generating income in your chosen profession how would you pay your rent or mortgage for instance? Another consideration is the cost of retraining for potentially a new career.
In most cases the benefit would be lump free. It is worth checking with your broker or financial advisor to be sure.