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Virtual Care
Check out guides and resources to help you better use virtual care and technology to support patients.
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Exclusive deals from brands you trust
You work hard. Your downtime is important and we want to help you make the most of it to do the things you love. Club MD provides exclusive deals from trusted brands so you can spend your time on what’s important.
Go ahead, put yourself in the picture.
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- Advocacy & Policy
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Promoting Good Health
Advocating for better health and improved safety on behalf of British Columbians.
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- Collaboration
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Working Together
In partnership with the BC government, we are working to make a difference through collaborative programs.
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- News & Events
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Stay Informed
Stay up to date with important information that impacts the profession and your practice. Doctors of BC provides a range of newsletters that target areas of interest to you.
Subscribe to the President's Letter
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- About Us
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Our Strategic Framework
Our strategic framework helps us navigate our future and fulfill our purpose of making a difference, so our doctors can make theirs.
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You are here
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- Your Benefits
- Insurance
- Insurance by Product Type
- Professional Expense
You are here
- Home
- Your Benefits
- Insurance
- Insurance by Product Type
- Professional Expense
Professional Expense Insurance
If you become disabled, Professional Expense Insurance provides you with a monthly taxable benefit between $500 and $30,000 to cover office and professional expenses such as:
- Employee salaries
- Rent or Mortgage
- Utilities
- Professional dues
- College registration fees
- Liability insurance
- Depreciation of office equipment
- Taxes and mortgage interest payments
- Locum payments while you're on disability
Find out more
The PEI Brochure describes the following:
- Built-in features!
- Partial Disability Benefits
- Waiver of Premium
- Parental & Survivor Benefits
- Recurrent Disability Benefits
- Cosmetic and Transplant Benefits
- Optional Guaranteed Insurability Benefit (GIB) Rider - to make future coverage increases without proof of good health
Premium rates
View our competitive Professional Expense Insurance rates.
How to apply
Submit your completed application form via email, fax or mail.
Scan & Email:
Fax: 604 638 2909
Mail: Doctors of BC, Insurance Department, 115 – 1665 W Broadway, Vancouver, BC V6J 5A4
Proof of good health
After submission of your application, if any proof of good health is required, we will contact you to make arrangements at no cost to you. Depending on your age, health and the amount of coverage being applied for, you may be required to provide one or more of the following:
- Telehealth interview
- Blood and urine
- Vitals
- Paramedical Exam
- ECG
Already Enrolled? Exercise your Guaranteed Insurability Benefit Rider (GIB)
Enrollees who have elected the GIB rider can exercise the rider, and increase their coverage without submitting proof of good health, in the following scenarios:
- Within 60 days following medical residency, medical fellowship, post graduate student program; or
- During the calendar month of November each year:
- Age 40 or under – purchase up to $2,000 additional coverage
- Ages 41 to 60 – purchase up to $1,000 additional coverage
Submit your completed application to exercise GIB via email, fax or mail. Contact information listed above under the 'To apply' section.