What is medical malpractice insurance?

Medical malpractice occurs when a healthcare professional, through negligence, harms a patient. Here’s a breakdown of the key elements:

    – Healthcare professional: This can include doctors, nurses, dentists, pharmacists, and other medical providers.

   – Negligence: This means the healthcare professional failed to meet the expected standard of care in their field. This could involve mistakes in diagnosis, treatment, medication, or communication.

   – Harm to the patient: The patient must have suffered some kind of injury, illness, or other negative outcome as a result of the negligence.

Essentially, medical malpractice boils down to a healthcare professional’s actions (or lack thereof) causing harm to a patient due to a breach of the standard of care.

Why choose us

We work with specialist consultants to tailor our benefits to suit you. Our secure contracts are underwritten by Lloyd’s of London Syndicates and Medical Malpractice insurance companies. Get a quick quote for medical indemnity insurance online.

Contract of insurance
Secure contract of insurance underwritten by Lloyd's of London Syndicates and Medical Malpractice insurance companies.
Online application, quote and purchase
You can now apply and buy online 24 hours a day, 365 days a year.
Online learning
Earn CPD points via our online portal - coming soon!
£10m aggregate limit of indemnity
A limit which meets and exceeds the requirements of private hospital groups.
Instant documentation
Certificate and Policy instantly available on purchase and held in our online membership area.
Cover your company
A company established solely for fiscal reasons is automatically covered.
Medico-legal advice 24/7
Advice and assistance from medically and legally qualified staff.
Comprehensive cover
Our policy wording has been written specifically for medical professionals and, as far as we are aware, is the widest cover available.
Risk management
A wealth of risk management information is available to all of our members via our online portal.
21 years extended reporting period
Run-off cover can be triggered in the event of your death, permanent disablement or retirement, at no additional costs, from day one.
Court attendance costs
A daily cap of £500 for any day, or part-day, that you spend attending a hearing before a court, tribunal, review board or committee.
Maternity, paternity and adoption leave
Up to 12 months extended reporting period available.
Backed by financially secure insurers
Regulated and secure contract of insurance backed by A rated (A.M. Best) insurers and Lloyd’s of London syndicates.
Bespoke subscription
Using a complex rating model which takes into account all aspects of your private practice, we will provide you with a bespoke and highly competitive rate.
Additional support
A benevolent fund for non-medical issues arising from your practice but are not otherwise covered by insurance.

Medical Malpractice FAQs

Medical Malpractice

Who needs medical malpractice insurance?

Medical malpractice insurance is crucial for a wide range of healthcare professionals, who directly provide patient care and could be held liable for negligence. 

What’s the difference between medical malpractice insurance and professional indemnity insurance?

Medical malpractice insurance and professional indemnity insurance share some similarities, but there’s a key difference in their scope. Medical malpractice insurance is specifically designed for healthcare professionals, whether this be surgeons, nurses, doctors, dentists and other healthcare providers. Professional indemnity insurance applies to a broader range of professions where expertise and advice are provided.

Is having medical malpractice insurance mandatory?

In the UK, it is a legal requirement for any healthcare professional to hold the appropriate clinical negligence indemnity cover. This cover pays for the compensation costs and legal fees awarded to patients in cases of clinical negligence.

How does medical malpractice insurance work?

Imagine a patient sues you for a mistake, like a misdiagnosis or medication error. Legal fees, court costs, and any settlements can be incredibly expensive.

That’s where malpractice insurance steps in. It covers these expenses up to a certain limit, if a lawsuit alleges you were negligent and caused harm to a patient.

Malpractice insurance doesn’t prevent lawsuits, but it protects your finances from the high costs associated with defending yourself and potentially compensating the patient.

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