How Retroactive Reporting Benefits offer peace of mind

If you’re thinking about joining or returning to Medical Protection but you’re currently with a claims-made provider, you can still receive protection for incidents that happened while you were with your current provider. This extra protection is known as Retroactive Reporting Benefits (RRBs) or ‘nose cover’.

Beware the gaps in your protection

Switching to Medical Protection is straightforward, leaving no gaps in your professional protection. Given the nature of clinical negligence – where claims can arise many years after an incident occurs – any break in protection can be a serious concern.

These breaks can occur if you switch to a new provider from a ‘claims-made’ insurance policy. This is because claims-made protection is only valid if you are covered at both the time of the incident and the time the incident is reported. If an incident arises after your claims-made protection has ended, you can no longer claim unless you have ‘nose cover’ from your new provider.

This is why we have introduced Retroactive Reporting Benefits (RRBs), allowing you to maintain continuity of indemnity. RRBs allow you to report an incident to us, even if it happened while you were with another provider. You can then request assistance if the incident leads to a complaint or claim.

If you work in private practice, you can apply for RRBs, giving you a fixed five-year period of protection. This means that not only will you enjoy the benefits of Medical Protection membership throughout your future career, but you will also receive comprehensive protection from any claims and dentolegal matters arising from your previous work.

Need to know more? Download our comprehensive factsheet.