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Surgeons Indemnity Insurance
All Med Pro is a specialist provider of insurance for surgeons, with products specifically designed for Medical and Healthcare sectors.
The medical industry is forever changing with pioneering breakthroughs in both procedures and technology, which means having a first class insurance provider who can offer the fundamental cover and support that you need to thrive is invaluable.
At All Med Pro, we make the process of arranging insurance for Surgeons seamless and hassle-free, so that you can remain focused on your patients.
Get in touch with us today to discuss Medical Indemnity Insurance for surgeons. One of our friendly and expert team will be able to talk you through our full range of options.
Comprehensive Cover
Typically our surgeons’ indemnity cover will include the following:
- Indemnity of up to £10,000,000
- Allegations of medical negligence, insured on a contract certain basis
- Legal defence costs and expenses
- Compensation awards
- Reputation protection
- Good Samaritan acts
- Run-off cover of between 10 and 20 years, taking into account retirement and even death
- Fitness to practise representation
- Contract disputes
- Tax investigations
Underwriting conditions apply and where we cannot quote on one of primary schemes, we also have access to other specialist surgeon indemnity insurers via our Lloyds of London broker.
In addition to surgeons indemnity insurance and medico-legal cover, we also offer surgeons:
Specialist insurance for different surgical disciplines
But you don’t have to compromise.
All Med Pro surgeons indemnity insurance is specially tailored to different surgical disciplines so you can get exactly the right package for you. We offer insurance for:
- Orthopaedic
- Cardiovascular
- ENT
- Cosmetic
- Bariatric
- Anaesthetics
Orthopaedic Surgeons Insurance
Orthopaedic surgery is a high-risk specialty, making it subject to a high amount of malpractice claims.
Independent studies have found that orthopaedic surgeons have one of the highest rates of medical malpractice claims filed against them. We’re here to advise and help make the process as easy and hassle-free as possible.
Peace of Mind and Contractual Certainty
While the insurance profile varies, the one thing that remains the same for all surgical disciplines is the reassurance that our insurance schemes provide. All Med Pro cover is contract certain which means that we guarantee you will be covered in the event of a claim.
As an NHS surgeon, you may already be indemnified under Crown Indemnity against allegations of clinical negligence. But, this doesn’t always cover you for GMC disciplinary hearings. All Med Pro medico-legal cover will protect you in these circumstances. This relates to disciplinary hearings, contract disputes and tax investigations.
Medical and Surgeon Indemnity Insurance Common Questions
Surgeons work tirelessly to deliver high standards of healthcare, but sometimes even those with the best training and experience can have things go wrong. Often, these mistakes can have serious financial consequences for a patient and the operating surgeon.
If a patient has unfortunately suffered harm or injury as a result of a surgeons negligence, it’s crucial that they have adequate insurance to compensate the patient.
Medical Indemnity and Surgeons Indemnity Insurance is designed to protect the surgeon during the claim process, including any costs and defence fees arising from the claim. In cases where malpractice is proven, compensation is paid to the patient.
It is the responsibility of the surgeon to ensure that they have the correct insurance in place. Therefore, it is crucial that surgeons understand the details of their policy and ask for clarification on any clauses that they do not understand. This means that in the event of a claim, they know exactly what they are covered for and what action is required.
A few things to look out for are:
- Fair Presentation
- Insuring Clauses
- Exclusions
- Notifying a Claim or Circumstances
As a minimum requirement to be registered to practice in the UK, the GMC recommends that surgeons purchase Medical and Professional Liability for claims arising from any independent practice, whether this work takes place on NHS or HSC premises or not or medico legal work, if this work requires a licence to practise.
The GMC also suggests that surgeons should:
- consider commercial legal protection for costs arising from fitness to practice procedures, GMC inquiries, coronial inquests or hearings etc.
- take out adequate and appropriate insurance or indemnity for the provision of medical care in emergencies outside work (Good Samaritan acts) and voluntary medical care (good neighbour acts).
- organise appropriate cover for liabilities that arise from independent practice after retirement.
- arrange medico legal support for advice and assistance.
How will All Med Pro balance the needs of the insurance providers and the best interests of members?
Our policies are underwritten by a one of the largest global insurers who have been underwriting medical indemnity cover globally for decades. They understand how surgeons work, they have the expertise to identify trends and they recognise the vital role of surgeons supporting surgeons.
We believe in terms of cover choice All Med Pro provide more than any other indemnity provider. The medical indemnity insurance policy can be written on an occurrence-or claims made contractual basis and we can provide retrospective cover for the time you were with an insurance provider or MDO. Most provides only provide one basis of cover. Not every dental professional is the same!
Run-off coverage protects you for a limited time even after you’ve left the dental field in case any claims are formulated against you by previous patients. In most situations, medical malpractice insurance ends when you exit the medical profession. Run-off coverage is used as a precautionary measure to provide you with extra peace of mind in the event a former action, event or patient alleges malpractice against you.
This coverage is only applicable to claims made policies. You have no requirement for run-off cover with claims occurrence policies.
If you have indemnity arrangements that are not an occurrence-based product – for example, claims made products – you will require run-off cover, unless the terms of your cover specify any defined circumstances where this would not be required.