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We introduced claims-made protection for private obstetricians and gynaecologists who manage pregnancies after 24 weeks’ gestation due to the challenges and risks associated with obstetric claims and obstetric litigation.
We know that many of you have questions about this type of protection, so we have compiled a series of FAQs which we hope will help to explain how claims-made protection works.
If your question is not answered below, please contact our membership team at
  • Are there any other options available to me to ensure I have appropriate protection when I cease practice?
  • Can I purchase ERBs to cover my whole retirement?
  • How can I apply for ERBs?
  • How do ERBs work?
  • How do I report adverse incidents to Medical Protection?
  • How is my membership subscription for claims-made protection calculated?
  • How long should I have ERBs in force for?
  • Is there a limit on my protection?
  • Should I report every delivery to be on the safe side?
  • What are extended reporting benefits (ERBs) and why do I need them?
  • What can I expect to pay next year and the year after?
  • What external factors affect the calculation of membership subscriptions for claims-made protection?
  • What happens if I choose not to accept an offer for ERBs?
  • What happens if I die?
  • What happens if I stop practising as an obstetrician and move to another area of practice? Do I have to continue to pay to protect the time when I was practising obstetrics with claims-made protection?
  • What happens when I retire?
  • What is an adverse incident and what should I report to Medical Protection?
  • What is occurrence-based protection? What is claims-made protection? What is the difference between the two?
  • What is the typical reporting pattern of obstetric claims?
  • What will the cost of ERBs be?
  • Why do you offer this type of protection to obstetricians and gynaecologists?
  • Why is it important that I report adverse incidents to Medical Protection?
  • Will I have to pay an excess?