Insurance for Doctors

Professional Expense Insurance

If you become disabled, Professional Expense Insurance provides you with a monthly taxable benefit between $500 and $20,000 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: insurance@doctorsofbc.ca

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.