If you choose to move to us, we will handle everything going forward. The only thing you need to do is notify your previous indemnifier that you’re leaving.

With our new online portal, provided that you have your information to hand and we have no further questions, you will receive a quote instantly. Your policy wording and certificate will be issued immediately after purchase via email. Hard copies will reach you within 5 working days.

Through our online customer portal, you can pay for your subscription in one lump sum by credit or debit card, BACS, cheque or by ten instalments via Premium Credit Limited.

Surgeons and Medical Professionals work hard to deliver good quality healthcare but sometimes, even with the best experience and training in the world, things can go wrong. Often, these mistakes can have serious financial consequences for a patient, and therefore, the operating surgeon.If a patient has suffered harm as a result of a surgeon’s negligence, it’s very important that the surgeons and medical professionals have adequate and appropriate insurance (or indemnity) to compensate the patient.Medical indemnity insurance responds to an accusation of medical malpractice, where the medical professional service provided was allegedly substandard, and caused physical or mental harm, injury or death to a patient.Medical indemnity insurance is designed to protect the surgeon and medical professional during the claims process, including any costs and defence fees arising from the claim. In cases where malpractice is proven, compensation is paid to the patient.Sadly, our society is becoming more and more litigious and the risk of legal action against a surgeon or medical professional for medical malpractice is increasing every day.

According to the GMC, it is the responsibility of the surgeon to ensure that they have adequate insurance in place. Then their patients will not be disadvantaged if they need to make a claim for compensation.It is therefore very important for surgeons to understand the policy details and to clarify the exact meaning of any clauses that they do not fully understand.Then, in the event that a claim is received, they know what they are covered for and what action is required.
Here are a few things to look out for:

Fair Presentation

It is the surgeon’s responsibility to make a “Fair Presentation” of their independent practice to underwriters. This allows the underwriters to decide whether to provide insurance or not and, if so, the terms and conditions of such insurance.

Insuring Clauses

The Insuring Clauses describes the breadth of cover that underwriters are insuring.

Exclusions

It is also important to be aware of exclusions contained in the Policy. Exclusions limit the scope any, or all, of the Insuring Clauses by excluding something that would otherwise be covered. For example, most policies will not cover any fraudulent, dishonest or malicious acts even if they arise within a surgeon’s medical professional services.

Notifying a Claim or Circumstances

It is vitally important that doctors ensure that they are familiar with the claim reporting procedures contained within the policy so that any notification of a claim or circumstances is in accordance with the policy terms.