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To meet your duty of care and legal requirements as a health care professional our policies can include the following features.
Medical indemnity insurance cover includes acts or omissions in the course of your professional duties. This can include injury, misdiagnosis, delays in referral, physical or mental harm to a patient. It doesn’t cover against incidents that occurred before the life of your policy.
Our insurance is designed to protect you through your claim, even if unsuccessful. This means that even the legal fees arising from defending an unsuccessful claim can be covered, excluding any claim for treatment undertaken under NHS Trust Indemnity or its equivalent.
Depending on your profession and circumstance we can advise, assist and represent you for proceedings including: • Disciplinary committee of a professional body e.g. GMC, GDC • Health authority or primary care trust • Health board or primary care trust • Service complaint proceedings or NHS tribunal • Inquest proceedings or fatal accident enquiry.
We can approach our insurers with a view to providing retrospective cover. In order to ensure your past work is protected. As due to the statute of limitation, a patient has up to 3 years to make a claim, from the time they become aware of the error, and then another 3 years from the point they intimate a claim. Therefore it is important you’re protected during this time regardless of if you are working or not.
Claims for medical indemnity insurance can be very complex, so it's important to follow the right procedures. If you have any reason to believe you might need to claim, just follow the simple procedure below, and we'll advise you of the best course of action.
If any circumstance arises that might lead to a claim, you should contact us immediately, forward any correspondence relating to the potential claim and avoid speaking to the claimant or their representatives (as this could prejudice the outcome).
There are no claim forms to fill in. Even if you are not sure whether or not an incident will lead to a claim, you should notify us anyway. This will not prejudice your policy and we will be able to put your mind at rest or, if necessary, start the claims process.
To get the ball rolling, simply call us on:
Lines are open Monday to Friday, 9am-5pm.
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Put simply, claims made means your policy will respond to claims submitted whilst the policy is active. Your cover is issued with a retroactive date, which means the policy will provide protection for any treatment provided after this date. In most instances the retroactive date will be the date cover is first taken out with us. However, if you transfer your insurance to us from another provider and have previously been covered by a claims made policy, we can look to provide a retroactive date back to when you first took out this type of cover.
We have a range of insurers we use to source our products who will look at each professional on a case by case basis. They are open to reviewing those that have previous claims or disciplinary action. Terms and premiums can vary but we specialise in cases such as this and will work hard , on your behalf, to get you the best deal we can.
For most professionals it is a regulatory requirement to have some form of professional indemnity, for example: GPs, dentists. For others, such as dental nurses or technicians, it is something that is recommended to provide you with protection in the event of an allegation being made against you (Please refer to your regulatory body for guidance).
Once cover under your claims made policy has ended, no further claims can be made unless you have arranged run off cover. Run off cover continues to provide protection after you have ceased to practice in case any claims arise from treatment you previously provided.