Insurance for ENT UK members

Howden offers an ENT UK-approved scheme.

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Tailored insurance solutions for ENT UK members

Our team of over 40 Health & Care specialists are deeply embedded within your sector, and understand the challenges you face. We are here to provide tailored insurance solutions for ENT UK members that respond to the latest innovations and practices within your specialist area.

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Tailored policies based on your circumstances and criteria

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Competitive & affordable premiums

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Policies that are contract certain and insurance backed

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Medical Indemnity Insurance for ENT Surgeons

Howden's Health & Care team work alongside ENT surgeons to protect you and your livelihood. We are here to help protect your professional reputation against legal challenges and complaints, and we make sure that all of our Medical Indemnity insurance policies are designed around you and your needs.

Howden’s Indemnity Insurance policy highlights:

  • Competitive premiums
  • 21 years ERP 
  • Unlimited retroactive cover – even if you have previously held insurance with a Mutual Defence Organisation (MDO), if they are unwilling or unable to pay for a claim, we can deal with this too.
  • Cover for Good Samaritan acts – anywhere in the world
  • Claim handling by specialist legal experts
  • Access to a 24/7 medico-legal helpline

Contract certain policies

Unlike Mutual Defence Organisations (MDOs), we offer clients contract certain insurance Medical Indemnity policies rather than discretionary indemnity. This means that with a Howden policy, should you have a claim your right to be indemnified will be covered by an insurance policy rather than a discretionary right governed by membership of your mutual.

Frequently asked questions

No - your Howden insurance policy is a legal contract, and its terms are therefore enforceable under law. Mutual Defence Organisation’s (MDO’s) on the other hand, offer discretionary cover which, as the name implies, means that the acceptance of any claim made by a member is subject to their discretion. MDO’s are under no legal obligation to provide assistance to a member.

Yes – as malpractice claims can be brought years after the fact, we provide run off cover as standard. This means that cover is provided after you have stopped practicing. 

Yes – our policies include Good Samaritan Acts that occur outside the scope of your regular work, such as giving first aid to a member of the public.

Howden has established partnerships with some of the world’s leading providers of Medical Malpractice Insurance underwriting and risk management services. We only use minimum A-rated insurers with experience of the unique complexities of the healthcare industry. All claims are handled with the utmost professionalism by trusted and experienced staff with in-depth knowledge of the field.

The quality of legal representation can be the difference between upholding your good reputation or having it tarnished. Your Howden policy covers the costs of getting a skilled lawyer experienced in similar challenges. Our expert medico-legal advice is provided by a panel of the most experienced firms.

If you have been unfortunate enough to have suffered claims in the past, that need not stop you from accessing reasonably priced insurance. 

We work with a wide range of insurers, several of which are open to covering medical professionals who have previous claims history. As long as you are open and transparent with us, we can usually help.

Of course, we have a number of premium financing options and we also accept credit and debit card payments.