• Medical Malpractice Insurance

    Medical Malpractice Insurance

    Tailored medical indemnity defence cover for healthcare professionals

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27
January
2016

Medical Malpractice Quotes

We provide medical malpractice insurance quotes for all types of healthcare professionals including doctors, dentists, cosmetic surgeons, nurses and gynaecologists.

Our dedicated healthcare indemnity team also specialise in obtaining competitive terms for professionals that have been subject to disciplinary actions or with previous claims.

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What is Medical Malpractice Insurance?

Medical malpractice, also known as medical indemnity insurance, provides cover against claims for professional negligence, acts or omissions in the course of your professional healthcare duties. Typical reported claims can include misdiagnosis, injury, or mental or physical harm to a patient. In many cases these are accusations which can be defended by the insurer thus protecting our client’s reputation.

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Run Off Cover and Extended Reporting Periods

Medical indemnity cover is written on a “claims made” basis, what this effectively means is that you need cover in place when a claim is reported as well as when the medical procedure was carried out. Whilst you maintain insurance throughout your career this is not an issue, but should you cease to practice or retire you will need to arrange run off cover or an extended reporting period.

Whilst some insurers will only provide a three year reporting period aligned to the statute of limitations, we will work with you to build a more comprehensive solution depending on your role. Doctors have been known to receive claims up to 10 years or more post retirement and such incidents may not be statute barred as the three-year period will begin from the point of diagnosis.

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Medical Indemnity Cover

  • Self-employed Medical Practitioners or full heath organisation cover
    Self-employed Medical Practitioners or full heath organisation cover
  • Specialist policies for healthcare professionals who have been declined cover by their Medical Defence Union (MDU, MPS), previous claims or disciplinary actions
    Specialist policies for healthcare professionals who have been declined cover by their Medical Defence Union (MDU, MPS), previous claims or disciplinary actions
  • Doctors, dentists, surgeons, gynaecologists, nurses and health care organisations
    Doctors, dentists, surgeons, gynaecologists, nurses and health care organisations
  • Medico Legal Indemnity cover available
    Medico Legal Indemnity cover available
  • All policies approved for GMC registration and revalidation
    All policies approved for GMC registration and revalidation
  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London
    Choice of A-Rated insurers fully underwritten at Lloyd’s of London
  • Medical Indemnity from £1m to £10m+
    Medical Indemnity from £1m to £10m+
  • Policies include Breach of Professional Confidentiality
    Policies include Breach of Professional Confidentiality
  • Libel and Slander and Inquest Hearing Costs cover
    Libel and Slander and Inquest Hearing Costs cover
  • Regulatory Body Hearings cover
    Regulatory Body Hearings cover
  • Indemnity to Principle extension available
    Indemnity to Principle extension available

Why Insync for Medical Malpractice?

  • Dedicated Medical Indemnity Team
    Dedicated Medical Indemnity Team
  • Instant quotations - cover and policy documents in minutes
    Instant quotations - cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
    Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from Medical Indemnity Insurance specialists
    Expert advice from Medical Indemnity Insurance specialists
  • Expert Medical Legal and Claims Support
    Expert Medical Legal and Claims Support
  • Personal – Digital servicing AND your own dedicated insurance professional
    Personal – Digital servicing AND your own dedicated insurance professional

Medical Indemnity Claims Example

Medical Indemnity Claims Example

A patient surprisingly fell pregnant six months after a sterilisation procedure. It was later discovered that the clips applied to the Fallopian tube had not been correctly applied and the gynaecologist was subject to a negligence claim in excess of £35k.

What Information Will You Need to Provide a Quotation for Medical Malpractice?

What Information Will You Need to Provide a Quotation for Medical Malpractice?

Traditionally, obtaining a quotation for medical malpractice cover could be a slow and painful process. The good news is that we have developed a simple process that will enable us to compare indemnity cover from up to 5 of the UK’s leading malpractice insurers. One of our dedicated medical professions advisors will take complete ownership of your case and work with you so that we can build a clear understanding of your expertise and procedures undertaken to our insurer partners – generally this can all be completed electronically.
We will also require a “letter of good standing” from your current provider / union which serves as a record of your claims history. We will then engage face-to-face discussions on your behalf to obtain the best possible terms, before reverting to you with our recommendations.