About these insurance types
Medical indemnity insurance
Medical indemnity insurance is technically titled medical professional liability insurance, but also known as medical malpractice or indemnity insurance. It’s liability cover offered to medical professionals, like doctors, nurses, dentists, etc.,
that provides insurance cover in the event of any malpractice or suspected malpractice that results in harm to the patient. It’s an insurance designed for medical professionals because it caters to the hazards of the medical profession. You can
find out more by visiting our
medical malpractice web page.
Note: we offer the option to include fitness to practise cover with medical indemnity insurance, you will see the option to include it after the quote stage of the medical indemnity form.
Fitness to Practise
From 1 April 2019, NHS Resolution began operating a new state indemnity scheme for general practice in England called the Clinical Negligence Scheme for General Practice (CNSGP). The scheme covers clinical negligence liabilities arising in general
practice in relation to incidents that occurred on or after 1 April 2019. CNSGP provides a fully comprehensive indemnity for all claims within its scope.
However, under the scheme certain cases aren't covered, which is where Fitness to Practise insurance comes in. GPs and other medical professionals are exposed to very particular legal insurance risks that arise from the intensively pressured
environment they work in. State-backed liability insurance provides protection against actions for civil damages that are brought against practitioners working in the NHS. Medical defence unions may provide assistance to members to defend allegations
of professional misconduct on a discretionary basis and surgery medical malpractice policies respond where a patient has suffered harm. However, these arrangements will not respond to particular sets of circumstances - and this is where Fitness to
Practise Insurance comes in.
We are delighted to have partnered with ARAG plc on behalf of the insurer SCOR UK Company Ltd and have designed a comprehensive, specialist product that goes beyond "fitness to practise". Our Fitness to Practise insurance policy is available to buy online in a matter of minutes through
ourselves - a specialist broker in the market - to individuals or groups of individuals within a practice setting, or to NHS or private medical practices. You can find out more by visiting our
fitness to practise web page.
