Specialist protection against claims of medical malpractice
Medical Indemnity insurance, also known as medical malpractice insurance or medical liability insurance, helps to protect healthcare professionals against claims arising as a result of malpractice or negligence.
If a claim is made against you, regardless of whether it is justified or not, you will need to cover the cost of legal defences. Medical Indemnity will cover those costs as well as any compensation you may need to pay.
Who needs Medical malpractice insurance?
In the UK, anyone who could potentially harm or injure another person, while providing healthcare and exercising their professional duties, is legally required to have adequate and appropriate insurance or indemnity arrangements in place.
This can include: Private practitioners, GP's, Surgeons, Consultants, Clinics, & Hospitals.
We can provide cover for Doctors undertaking all specialities, including but not limited to:
The level of protection needed depends on your particular circumstances. Speak to one of our experts who will be able to help you with this.
Coverage (inclusive of Fitness to Practice policy):
- A Claims-Made insurance policy
- Various limits of indemnity available
- Breach of confidence cover
- Defence costs for claims covered by the policy
- Defence costs for disciplinary proceedings
- Professional indemnity cover for review boards and expert report
- Defamation cover
- Cover for medico-legal reports
- Up to 25 years run-off cover
- Safety net for those transferring from Medical Defence Organisations
- 24/7 Medico-legal helpline and claims reporting
- Good Samaritan Acts worldwide
Our Fitness to Practice policy is offered in addition to your Medical Indemnity insurance. Main benefits to the policy include legal costs protection, 24/7 Consumer-legal and Medico-legal advice lines and Counselling assistance line.
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Benefits of having Medical Indemnity insurance with Howden
We know that insurance cannot be ‘one size fits all’, which is why our offering is tailored to you and can adapt with you throughout your career. Unlike Mutual Defence Organisations (MDOs), Howden offer clients contract-certain insurance policies rather than discretionary indemnity.
What is more, we have built a safety net into our cover for when switching providers. This gives you peace of mind and means that you have less to worry about when it comes to potential gaps in exposure.
Frequently asked questions
No - your Howden insurance policy is contract-certain. Its terms are therefore enforceable under law and you have peace of mind in the event a claim is made against you. Mutual Defence Organisations (MDOs) offer discretionary cover. This means that the acceptance of any claim made by a member is subject to their discretion. MDOs are under no legal obligation to provide assistance to a member.
Related Article: Demystifying discretional indemnity cover
No - If you are with a Medical Defence Organisation then the new policy will be on a claims made basis and will respond to any claims made after inception of the new policy. There is also a retroactive date which will be transferred to your new policy to make sure there is no gap. If you have an existing claims made policy then again there will be a retroactive date. Our policy will pick up the retroactive date.
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.
Yes - we provide cover for legal costs. Our friendly specialists can tell you more about this.