There are two types of protection: occurrence-based and claims-made. There are several important differences between the two, largely the timing and certainty of the full cost of your protection.
Occurrence-based protection allows you to access the benefits of membership and request assistance for any claim or complaint that arises from an adverse incident that occurs during the period of your membership with Medical Protection, regardless of when it was reported and the claim or complaint is received.
Occurrence-based protection allows you to request assistance even after you have left Medical Protection membership and your subscription payment has ceased, so long as the incident occurred during the period in which you were a member and you were in appropriate category of membership with Medical Protection.
Claims-made protection also allows you to access the benefits of membership and request assistance for claims or complaints that arise from an adverse incident that occurs during your membership with Medical Protection. However, you must have been a member at the time of the incident, and had continuous membership with us for the period between the incident occurring and the time you report it. You are also required to report the incident to us as soon as is reasonably practicable after you become aware of it.
To be able to report an incident that you only became aware of after your membership with claims-made protection has ended, you would need to either apply to purchase extended reporting benefits (ERBs) from us, or alternatively, if you are to continue to practice after ceasing Medical Protection membership, have arrangements in place with your new provider that would allow you to report the incident to them.