Medical Professional Indemnity Group
Medical professional indemnity insurance (or medical malpractice insurance) is a mandatory requirement for certain healthcare professionals operating in the private sector. For the likes of doctors and surgeons who work outside the cover of Crown Indemnity, the General Medical Council (GMC) requires them to have “adequate insurance or indemnity cover so that patients will not be disadvantaged if they make a claim about the clinical care that they provide”. All medical practitioners, trainees and consultants should have professional indemnity. In the event of a claim, if a practitioner doesn’t have such cover, their licence may be removed.
Medical professional indemnity insurance, or medical malpractice insurance, protects against claims arising in respect of medical malpractice or negligence – including claims of bodily injury, disease or death, and mental and psychological damage to patients from physical procedures and/or advice. It also covers civil claims of breach of duty during practice. Cover indemnifies the practitioner for legal costs of defending an action as well as any subsequent damages.
Medical professional indemnity can be accessed via medical defence organisations, but the cover provided is discretionary, meaning that there is no guarantee that any claim will be accepted or paid.