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Do Doctors Need Insurance Cover? Let’s Discuss

Any doctor who is practicing medicine in the UK must have adequate and appropriate insurance or indemnity in place. Even some of the best doctors and surgeons in the country can make mistakes which can lead to financial consequences for their patient and themselves.

Today, we will be discussing medical indemnity insurance. What is it? How can doctors acquire it? What does the insurance cover?

What Is Medical Indemnity?

The term medical indemnity relates to a specific area of insurance. This area of insurance is primarily related to malpractice in medical professions. It applies to mistakes or accidents which unfortunately do happen in the healthcare world. In some cases, negligence can be proven which results in the patient being compensated.

Every year the NHS deals with thousands of clinical negligence claims. During 2018 – 2019, they received 10,678 claims across a range of areas like emergency medicine and obstetrics, to name a few. This goes to show that these claims may not be as rare as you may have first thought. This is one of the many reasons why medical indemnity insurance is hugely important. No doctor or surgeon wants to believe they can make a mistake, but the sad reality is that it does happen.

Where Can You Get This Cover?

Luckily, acquiring medical indemnity insurance is fairly straightforward. If you work for an organisation like the NHS, then you will already be covered as they insure their employees for work carried out on their behalf. However, this isn’t the case for everyone.

Medical indemnity insurance can vary in cost and it depends on what you want your policy to cover you for. You can employ the help of useful companies like Incision Indemnity who have worked with specialist surgeons for years. There professional experience means theycan share their useful knowledge on medical indemnity with you and they can help you find the right cover for you. You can even apply online via their website and get yourself a quote at the click of a button. It is always recommended that any practicing doctor should speak to professionals like Incision Indemnity to ensure they are clued up on their cover, so they know what to do in the event of a claim.

What Does Medical Indemnity Insurance Cover?

In all industries, mistakes and accidents occur and the same goes for the healthcare. It is extremely complex and an industry that is constantly evolving so doctors and surgeons are constantly being faced with new challenges each day. This is why medical indemnity insurance is so important because it covers doctors and surgeons when things don’t exactly go to plan.

Medical indemnity insurance covers a doctor for the following: misdiagnosis, incorrect treatment, surgical errors, failure to diagnose, prescription errors, failure to supply adequate training and failure to provide a clean environment. Of course, no doctor wishes to fall victim to any of those, but these are some of the most common claims that crop up in this industry.

How Does Medical Insurance Cover A Doctor?

So, in the event of any of the instances listed above, your insurance will then protect you during the claims process. This will include any costs or defence fees arising from the claim. These costs can put a huge financial strain on an individual which is why this cover is both important and necessary. Whoever you choose to take your policy out with will be able to advise you on the correct steps to take and they will act as a mediator to help diffuse situations before they get out of hand. To find out more about medical indemnity for doctors in the UK, clickhere.


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