Is Your Indemnity Cover a Safety Net, or a Leap of Faith?

Jared
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General -
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19th June 2025
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2 mins read
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When Protection Becomes a Promise: Why Gynaecologists Are Reassessing Their Indemnity Cover

What if, just when you need it most, the cover you assumed was in place quietly steps back? For many gynaecologists across the UK, that unnerving “what if” is becoming reality.

The Illusion of Safety in Discretionary Indemnity

It’s a sobering truth: not all indemnity is created equal.

Recent research has shown that nearly 1 in 3 clinicians either hold discretionary indemnity or aren’t sure what type of cover they have at all (source: IFF Research). This ambiguity can be more than a clerical oversight; it can be a career-defining vulnerability.

Discretionary indemnity, unlike contractual cover, offers no legal guarantee of protection. The decision to support a claim can be declined. And for clinicians navigating complex private work or dual NHS/private roles, that grey area can be dangerous ground.

Why More Clinicians Are Choosing Contractual Indemnity

We’re seeing a steady shift, from traditional, discretionary models to modern, contractual indemnity. And it’s not hard to understand why.

  • Guaranteed Support
    Contractual indemnity is a legally binding agreement. It means your cover can’t simply be withdrawn on a whim. It’s a protection you can count on in writing.

 

  • Future-Proof Features
    Good contractual policies include run-off cover, protecting you after retirement. It’s peace of mind that goes the distance.

 

  • Clear, Transparent Terms
    No hidden clauses. No ambiguous promises. Just plain English protection that tells you exactly what you’re covered for and what you’re not.

Where Incision Fits In

At Incision, we specialise in providing contractual indemnity tailored to the needs of specialists like you. Backed by top medico-legal experts, our policies are designed with clarity, continuity and confidence at their core.

We’ve helped hundreds of gynaecologists transition to smarter, stronger indemnity and sleep better because of it.

“Switching to Incision was the most straightforward decision I’ve made in my career. I finally know I’m covered properly.”
— Dr. R. Patel, Consultant Gynaecologist

Take the Next Step, Don’t Leave It to Chance

Want to know if your current indemnity is really up to scratch?

📞 Call us on 0333-444-1515