At MMI 4u we offer specialised indemnity policies for most medicial professions, with many available to buy online in a matter of minutes. Fill out our online form and get a quote, today.
Our team of experts are dedicated to protecting your livelihood and your reputation. Our medical indemnity insurance is underwritten by certain underwriters at Lloyd’s and/or London Company Markets (A Rated), offering you comprehensive medical malpractice cover and peace of mind.
Our policies are an insurance product with an indemnity level of up to £10 million. The product offers contract certainty and is enforceable in the courts.
Policy cover is on a "claims made" basis. That means the policy can respond to claims first made and reported during the period of insurance, and after any retroactive date stated in the schedule, subject to the policy terms, limits and exclusions.
Medical professionals retiring at the normal age of retirement (65 years) and who've been insured by our scheme for a continuous minimum period of 10 years before reaching 65 can benefit from Tail cover insurance, so that they can retire in peace knowing that MMI 4u has them covered. Run off cover is required once the policy has been cancelled. This is to cover any claims that may arise subsequent to the cancellation of the policy.
As well as providing medical indemnity insurance for standard cases, we also specialise in providing cover for medical professionals who have previously been declined cover from the MDU. If this is your case, get in touch today to find out more.
Whether it's £500,000 or £10,000,000 you need, even if you've previously been declined insurance, we've got you covered.
Add optional commercial legal protection to your policy.
Use our simple and secure online form to request your quote.
Get a quote with our online form in 6 simple steps.
Our UK based call centres are full of friendly staff who are here to help.
With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.
Our Commercial Legal Protection policy is designed to help protect your practice during everyday legal issues, providing support, advice and cover against legal costs.
The policy can pay legal costs up to £100,000, including solicitors' and barristers' fees, court costs, expert witness expenses, employment compensation awards, and appeal costs.
Cover can include legal defence for business-related criminal allegations and health and safety matters, disciplinary hearings, contract disputes, personal injury, and legal advice services.
Support can also extend to data protection disputes, statutory licence appeals, civil actions relating to wrongful arrest, and jury service attendance expenses for employees.
A UK-based legal advice helpline is available 24 hours a day, seven days a week.
For a full summary, visit our commercial legal protection page.
Speak to one of our friendly and helpful advisors
Lines open between 8am and 8pm, Monday to Friday
Top questions about medical indemnity insurance
Choose your profession on our profession quote form. Many roles can quote and buy online the same day. Quote buttons around the site start the same flow.
Need clinical wording clarified first? Call 01773 810072 or request a callback and an advisor will talk it through.
Our policies start from just £45 per year and include the option to add additional Commercial Legal Protection. Get a quote for your personalised premium.
Some professions, including Dental Nurses, Dental Technicians and Paramedics, can complete a quote and buy online with immediate cover. For other professions we prepare terms and get back to you. See our full FAQ for what happens after you submit.
Any medical professional that deals with patients on a daily basis should get medical indemnity insurance. A claim by a patient can be costly and stressful. Make sure you have the right medical cover for your profession.
MMI 4u normally provides an insurance policy on a "claims made" basis, which means that it responds to claims that are first made against you and notified to insurers during the period of the policy and the run‐off period. This differs from "claims occurring" policies which cover incidents that occurred during the policy period, regardless of when the claim is made.
We offer specialist policies for people who have been declined indemnity cover with their Medical Defence Union (MDU) or other providers. Our simple online quote form will ask you questions regarding your previous insurance, once that's complete we'll do the hard work for you and help arrange cover - making sure you can concentrate on what matters most, your business.
Just like with previously declined cover, we offer specialist policies for people who have had previous claims or disciplinary actions. We believe everyone deserves a fair chance to work. Contact us to discuss your specific circumstances.
Need more detailed information? Visit our full FAQ page for comprehensive answers to all your questions.
Clinical complaints and indemnity claims: support before and after notification.
A patient complaint, regulatory letter or indemnity demand is not everyday clinic paperwork. Even before a formal claim is lodged, the legal advisors we work with can help you understand disclosure timing and what to preserve.
Our advisors guide you through preparation and how to protect your practice while the matter develops, so you are not left guessing between solicitors and schedule wording.
For full details of the claims procedure, please refer to your policy wording document. If you need further information or assistance, you can call us on:
01773 810072Lines open between 8am and 8pm, Monday to Friday
Three years after stomach surgery, a patient suffers a twisted bowel resulting in a severe obstruction requiring emergency surgery. The surgeon who undertook the initial procedure received a claim in excess of £50k in compensation and fees. It is alleged that failure to complete the initial surgery correctly led to this complication.
A parent took their infant for a check up following recent signs of illness to which the GP noted as ‘not serious’. The child later developed meningitis and subsequently lost hearing on one side. A claim was made for negligence in respect to the doctor's failure to refer the child and misdiagnosis.
Following the fitting of dental braces, the patient suffered severe headaches and jaw pain. On formal investigation, it was discovered that the technician had misinterpreted the dentist's instructions and the sizing was incorrect. A claim for compensation and fees in excess of £5k was made for the pain and suffering.
Following a routine visit to the dentist a patient claimed to have suffered a mouth infection which needed to be treated. It was later alleged that the dental nurse's failure to sterilise the dentist equipment prior to use was the cause of the infection suffered by the patient.
In response to an emergency call, a paramedic began to resuscitate an unconscious patient. Despite successfully resuscitating the patient, during the process the paramedic unfortunately caused the patient to suffer a fractured rib. A claim was made in negligence against the paramedic by the patient following the injury sustained.
MMI 4u provides specialist medical indemnity insurance for healthcare professionals. We offer a wide range of policies to suit your needs.
