The indemnity offerings from the MDU, MPS and MDDUS are all unique, but we have sought to highlight the key coverage elements below:

MedicaInsure cover features

  • 1. Legal Contract of Cover:
  • 1a. Clinical Negligence claims up to £10,000,000
  • 1b. Defence Costs in respect of GMC complaints and disciplinary hearings
  • 1c. Worldwide Good Samaritan Acts
  • 1d. Run Off cover in the event of death, disablement and permanent retirement
  • 1e. Cover for Medico Legal reports and Review Board Advice
  • 1f. Cover for Public Liability insurance
  • 1g. Protection of Reputation arising from adverse press, publicity or media attention
  • 2. 24 Hour Medico Legal Helpline
  • 3. Indemnity products Regulated by FSA, supported by Financial Services Compensation Scheme, access to Financial Ombudsman and third party right against Insurers.
  • 4. Premium Discount for work carried out at Spire
  • 5. Individual bespoke underwriting specifically tailored to activities and procedures
  • 6. Independent, importial and expert advice for individual circumstances that legally require the advisor to treat consultants fairly with access to alternative insurers.
  • 7. Expert, impartial advice on Partnerships and Limited Companies and the ability to offer bespoke solutions
  • 8. Access to multiple underwriters

Medica
Insure

  • 1. Legal Contract of Cover:
  • 1a. Clinical Negligence claims up to £10,000,000
  • 1b. Defence Costs in respect of GMC complaints and disciplinary hearings
  • 1c. Worldwide Good Samaritan Acts
  • 1d. Run Off cover in the event of death, disablement and permanent retirement
  • 1e. Cover for Medico Legal reports and Review Board Advice
  • 1f. Cover for Public Liability insurance
  • 1g. Protection of Reputation arising from adverse press, publicity or media attention
  • 2. 24 Hour Medico Legal Helpline
  • 3. Indemnity products Regulated by FSA, supported by Financial Services Compensation Scheme, access to Financial Ombudsman and third party right against Insurers.
  • 4. Premium Discount for work carried out at Spire
  • 5. Individual bespoke underwriting specifically tailored to activities and procedures
  • 6. Independent, importial and expert advice for individual circumstances that legally require the advisor to treat consultants fairly with access to alternative insurers.
  • 7. Expert, impartial advice on Partnerships and Limited Companies and the ability to offer bespoke solutions
  • 8. Access to multiple underwriters
  •  

MPS / MDU /
MDDUS

  • 1. Legal Contract of Cover:
  • 1a. Clinical Negligence claims up to £10,000,000
  • 1b. Defence Costs in respect of GMC complaints and disciplinary hearings
  • 1c. Worldwide Good Samaritan Acts
  • 1d. Run Off cover in the event of death, disablement and permanent retirement
  • 1e. Cover for Medico Legal reports and Review Board Advice
  • 1f. Cover for Public Liability insurance
  • 1g. Protection of Reputation arising from adverse press, publicity or media attention
  • 2. 24 Hour Medico Legal Helpline
  • 3. Indemnity products Regulated by FSA, supported by Financial Services Compensation Scheme, access to Financial Ombudsman and third party right against Insurers.
  • 4. Premium Discount for work carried out at Spire
  • 5. Individual bespoke underwriting specifically tailored to activities and procedures
  • 6. Independent, importial and expert advice for individual circumstances that legally require the advisor to treat consultants fairly with access to alternative insurers.
  • 7. Expert, impartial advice on Partnerships and Limited Companies and the ability to offer bespoke solutions
  • 8. Access to multiple underwriters
  •  
  • Discretionary
  • Discretionary
  • Discretionary
  • Discretionary
  • Discretionary
  • Discretionary

Discretionary indemnity, which merely entitles you to ask for assistance and indemnity when an adverse event leads to the need for assistance on how to deal with it or results in a formal claim. You have no guarantee of indemnity, only the right to have your request considered reasonably. Discretionary indemnity is not allowed in other EU member states (except Ireland and Malta), which either have state indemnity or require insurance. Discretionary indemnity has no independent influencers in the event of a disagreement.

Contractual indemnity is provided by way of a contractual guarantee in the form of an insurance policy. The policy clearly stipulates what is covered and what is excluded and you have the ability to make an informed decision and always be aware of where you stand with regard to coverage. Contractual indemnity is provided by insurers who are also governed through the Financial Conducts Authority and have a transparent complaints and an arbitration process managed by an independent Ombudsman.