Medical Professional Indemnity Insurance

Medical Professional Indemnity Insurance is GMC approved and is bespoke to your specialty, including malpractice cover for many sectors.

Medical Professional Indemnity Insurance

Medical Professional Indemnity Insurance is GMC approved and is bespoke to your specialty, including malpractice cover for many sectors.

Need specialist Medical Indemnity Insurance advice?

Call us directly on

01200 309 516

Medical Indemnity Insurance

Medical indemnity insurance is one of our flagship products and can be built completely bespoke to your speciality. We have an expert team who can advise, compare, and build a comprehensive policy just for you at the best price. Medical Indemnity insurance comes as standard with any of our medical practitioner or clinic packages, policies can be extended to include as much or as little additional elements of cover as needed.


We compare medical indemnity cover from over 5 of the leading insurers in the UK all provided by A-Rated insurers fully underwritten at Lloyd’s of London and all policies are approved for GMC registration and revalidation.

What is Medical Indemnity Insurance?

Medical indemnity insurance, or medical malpractice as it is sometimes referred, provides cover against claims for breach of your professional duties as a medical professional.

Typically, these are acts of professional negligence, breach of duty of care or omissions. Reported claims can include injury, physical or mental harm, or misdiagnosis to a patient. Often, potential incidents are simply accusations which can be defended rigorously to protect your reputation and good standing.

Our dedicated team of medical malpractice can provide cover for a host of specialisms including:

  • Gastroenterology 
  • Palliative Care
  • General Surgery
  • Pathology
  • Genetics
  • Pharmacology
  • Gynaecology
  • Physiology
  • Haematology
  • Plastic Surgery
  • Oncology
  • Vascular
  • Immunology
  • Psychiatry
  • Industrial Health
  • Radiography
  • Maxillofacial
  • Radiology
  • Neurology
  • Rehabilitation
  • Nuclear Medicine
  • Rheumatology
  • Surgery

Need specialist Medical Indemnity Insurance advice?

Need specialist Medical Indemnity Insurance advice?

Speak to one of our Medical Indemnity insurance experts at a time that suits you...

or call us directly on

01200 309 516

MEDICAL INDEMNITY INSURANCE

  • Self-employed surgeons, doctors or full heath care organisations

  • Specialist policies for practitioners who have been declined cover by their Medical Defence Union (MDU, MPS), previous claims or disciplinary actions

  • Medico Legal Indemnity cover available

  • All policies approved for GMC registration and revalidation

  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London

  • Medical Indemnity from £1m to £10m+

  • Good Samaritan acts covered as standard

  • Policies include Breach of Professional Confidentiality

  • Libel & Slander and Inquest Hearing Costs cover

  • GMC investigation or Regulatory Body Hearings cover

  • Cover for evaluation of other healthcare professionals’ performance

  • Indemnity to Principle extension available

Why Insync for Medical Indemnity

  • Specialist Medical Indemnity policies for practitioners who have been declined cover by their Medical Defence Union (MDU, MPS) due to previous claims or disciplinary actions

  • Business insurance including buildings, contents & equipment and business interruption cover

  • Public Liability Insurance

  • Medico-Legal Support cover available

  • Legal fees & compensation for claims

  • All policies approved for GMC registration and revalidation

  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London

  • Medical Indemnity from £1m to £10m+

  • Vicarious Liability

  • Good Samaritan acts covered as standard

  • Policies include Breach of Professional Confidentiality

  • Libel & Slander and Inquest Hearing Costs cover

  • Management Liability

  • GMC investigation or Regulatory Body Hearings cover

  • Cover for evaluation of other healthcare professionals’ performance

  • Indemnity to Principle extension available

FAQs for Medical indemnity insurance

WHY DO YOU NEED MEDICAL INDEMNITY INSURANCE?

Mistakes are sometimes made, no matter how good we are at our jobs. As a medical professional, you have a heightened duty of care to your patients and Medical Indemnity or Malpractice Insurance provides financial security in the event you are negligent in a professional capacity.

Not only does Medical or Professional Indemnity cover your business losses, but it also protects your patients. With appropriate insurance, you can ensure that your patients get adequate compensation if they suffer any physical or mental harm as a result of a treatment you have provided.

In some cases, your professional body will provide indemnity on a discretionary basis. A comprehensive insurance policy with Insync will give you peace on mind that you will be covered in the event of a claim.

WHAT ARE THE DIFFERENT TYPES OF MEDICAL INDEMNITY?

Occurrence Based

Occurrence based indemnity provides cover for incidents which occur during the policy or membership period, regardless of when the claim for that negligence is made. All NHS indemnity schemes prove occurrence-based cover.

Claims-Based

Claims based indemnity only provides cover for incidents which occur during the policy or membership period, provided that the claim is made and reported prior to the end of this period.
Once the policy or membership has lapsed, no cover will be offered in respect of new claims not reported during the policy or membership period.

Run-off cover in the form of an extended reporting period, can be arranged to ensure you remain protected against any further claims that were accrued but not reported during their policy or membership period.

Contractual and Discretionary Indemnity

Contractual indemnity is a contractual obligation to compensate for some defined loss or damage, by making a money payment.

Discretionary indemnity is where legal and financial assistance is provided at the discretion of the provider, for example, not backed by an insurance contract between the healthcare professional and the provider. Medical Defence Unions all work on a discretional indemnity basis and there is no guarantee any claim will be honoured.

WHAT DOES MEDICAL INDEMNITY COVER?

Medical indemnity insurance provides cover against claims for breach of your responsibilities and duties as a medical or healthcare professional.

Typically, these are acts of professional negligence, breach of duty of care or omissions. Reported claims can include injury, physical or mental harm, or misdiagnosis to a patient. Often, potential incidents are simply accusations which can be defended rigorously to protect your reputation and good standing.

IS IT A LEGAL REQUIREMENT?

In the UK, it is a legal requirement for many practising medical professionals to hold valid and sufficient medical indemnity insurance. This includes general practitioners, surgeons, nurses, dentists midwives, osteopaths, radiographers, sonographers, pharmacists, opticians, and more paramedics. In most cases, it is a regulatory requirement for governing bodies such as the GMC and GDC who are.

If you are working in private healthcare, you are responsible for your medical indemnity insurance. Often, if you are employed, you will be insured under your employer's medical indemnity or malpractice insurance. However, this is not to be assumed, and it is your responsibility to check.

Any independent practitioners must ensure they have adequate insurance; this applies to any work carried out outside of employment, including Good Samaritan acts.

DO I NEED ADDITIONAL COVER FOR MY BUSINESS?

As a commercial insurance provider, at Insync, we can arrange cover for all aspects of your clinical practice and your business as a whole. Our business insurance experts can support you with non-clinical liabilities such as:

  • Public Liability Insurance
  • Contents at Business Equipment at your Clinic or Surgery
  • Business Interruption Insurance
  • Fixtures & Fittings Insurance
  • Employers Liability Insurance
  • Products Liability
  • And more
EXAMPLES OF MEDICAL NEGLIGENCE CLAIMS

As a medical practitioner, you could find yourself with a negligence claim for many reasons. Typical medical malpractice claims include:

  • Misdiagnosis
  • Delays in referral
  • Physical or mental harm
WHAT’S THE DIFFERENCE BETWEEN MEDICAL INDEMNITY AND PROFESSIONAL INDEMNITY?

Medical Indemnity and Professional Indemnity both provide cover for professional negligence in the course of your role as a medical practitioner. The key difference is that medical indemnity extends to cover claims relating to injury and/or illness to the patient (or another third party) as the result of treatment and/or advice you have provided.

Professional Indemnity only provides cover for claims against you for financial loss relating to your professional negligence, as such, medical indemnity insurance is critical for all clinicians and medical professionals.

HOW MUCH WILL MY POLICY COST?

As a medical practitioner, the appropriate level of indemnity will depend on a few factors. We will calculate your insurance premium based on the type of professional advice and treatments you are providing regularly, the frequency of your private practice, your annual income, to name a few.

Contact our specialist malpractice team today for expert advice on both medical indemnity and business insurance.

WHY DO YOU NEED MEDICAL INDEMNITY INSURANCE?

Mistakes are sometimes made, no matter how good we are at our jobs. As a medical professional, you have a heightened duty of care to your patients and Medical Indemnity or Malpractice Insurance provides financial security in the event you are negligent in a professional capacity.

Not only does Medical or Professional Indemnity cover your business losses, but it also protects your patients. With appropriate insurance, you can ensure that your patients get adequate compensation if they suffer any physical or mental harm as a result of a treatment you have provided.

In some cases, your professional body will provide indemnity on a discretionary basis. A comprehensive insurance policy with Insync will give you peace on mind that you will be covered in the event of a claim.

WHAT ARE THE DIFFERENT TYPES OF MEDICAL INDEMNITY?

Occurrence Based

Occurrence based indemnity provides cover for incidents which occur during the policy or membership period, regardless of when the claim for that negligence is made. All NHS indemnity schemes prove occurrence-based cover.

Claims Based

Claims based indemnity only provides cover for incidents which occur during the policy or membership period, provided that the claim is made and reported prior to the end of this period.
Once the policy or membership has lapsed, no cover will be offered in respect of new claims not reported during the policy or membership period.

Run-off cover in the form of an extended reporting period, can be arranged to ensure you remain protected against any further claims that were accrued but not reported during their policy or membership period.

Contractual and Discretionary Indemnity

Contractual indemnity is a contractual obligation to compensate for some defined loss or damage, by making a money payment.

Discretionary indemnity is where legal and financial assistance is provided at the discretion of the provider, for example, not backed by an insurance contract between the healthcare professional and the provider. Medical Defence Unions all work on a discretional indemnity basis and there is no guarantee any claim will be honoured.

WHAT DOES MEDICAL INDEMNITY COVER?

Medical indemnity insurance provides cover against claims for breach of your responsibilities and duties as a medical or healthcare professional.

Typically, these are acts of professional negligence, breach of duty of care or omissions. Reported claims can include injury, physical or mental harm, or misdiagnosis to a patient. Often, potential incidents are simply accusations which can be defended rigorously to protect your reputation and good standing.

IS IT A LEGAL REQUIREMENT?

In the UK, it is a legal requirement for many practising medical professionals to hold valid and sufficient medical indemnity insurance. This includes general practitioners, surgeons, nurses, dentists midwives, osteopaths, radiographers, sonographers, pharmacists, opticians, and more paramedics. In most cases, it is a regulatory requirement for governing bodies such as the GMC and GDC who are.

If you are working in private healthcare, you are responsible for your medical indemnity insurance. Often, if you are employed, you will be insured under your employer's medical indemnity or malpractice insurance. However, this is not to be assumed, and it is your responsibility to check.

Any independent practitioners must ensure they have adequate insurance; this applies to any work carried out outside of employment, including Good Samaritan acts.

DO I NEED ADDITIONAL COVER FOR MY BUSINESS?

As a commercial insurance provider, at Insync, we can arrange cover for all aspects of your clinical practice and your business as a whole. Our business insurance experts can support you with non-clinical liabilities such as:

  • Public Liability Insurance
  • Contents at Business Equipment at your Clinic or Surgery
  • Business Interruption Insurance
  • Fixtures & Fittings Insurance
  • Employers Liability Insurance
  • Products Liability
  • And more
EXAMPLES OF MEDICAL NEGLIGENCE CLAIMS

As a medical practitioner, you could find yourself with a negligence claim for many reasons. Typical medical malpractice claims include:

  • Misdiagnosis
  • Delays in referral
  • Physical or mental harm
WHAT’S THE DIFFERENCE BETWEEN MEDICAL INDEMNITY AND PROFESSIONAL INDEMNITY?

Medical Indemnity and Professional Indemnity both provide cover for professional negligence in the course of your role as a medical practitioner. The key difference is that medical indemnity extends to cover claims relating to injury and/or illness to the patient (or another third party) as the result of treatment and/or advice you have provided.

Professional Indemnity only provides cover for claims against you for financial loss relating to your professional negligence, as such, medical indemnity insurance is critical for all clinicians and medical professionals.

HOW MUCH WILL MY POLICY COST?

As a medical practitioner, the appropriate level of indemnity will depend on a few factors. We will calculate your insurance premium based on the type of professional advice and treatments you are providing regularly, the frequency of your private practice, your annual income, to name a few.

Contact our specialist malpractice team today for expert advice on both medical indemnity and business insurance.

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Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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