State-Backed Medical Indemnity Scheme – What Does It Mean for Your GPs?

Do GPs need run-off medical indemnity cover?

Yes. The state-backed scheme is not going to provide run-off cover and to ensure your GPs are fully protected, those with a claims-paid of claims-made indemnity policy will need to purchase cover separately themselves should they decide to move to the state-backed scheme.

Ensure your medical indemnity cover meets GMC regulations

Your GPs will need to ensure that when purchasing a medical indemnity policy on a reduced cover basis that they make themselves fully aware of the terms under which is it being offered, taking into consideration how they will cover themselves after the period of cover has expired and the cost of run-off cover.

It is essential GPs have the appropriate medical indemnity cover in line with the GMC professional regulatory requirements to enable them to practice.

New Medical Indemnity Plus insurance from Towergate

In response to the limitations of the state-backed medical indemnity insurance policy, we are launching Medical Indemnity Plus, which will provide claims-made protection for your GPs with cover for:

• Professional duties whilst attending a Good Samaritan Act
• Legal expenses

For more details of what is covered by our medical indemnity insurance and the exclusions, please call our specialist advisers on 0330 123 5140 who will be happy to help you.