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Your eligibility to request assistance
Limitations of membership
Matters which fall outside of healthcare indemnity
Claims arising from your vicarious/extended liability
Matters related to deliberate, reckless or criminal acts
Matters related to personal conduct
Matters of commercial interest
Other matters which may not be in the wider interests of our members
Your responsibilities as a member
Keeping us up-to-date
In the event of a case, complaint or claim
- You must be/have been a member of Medical Protection, in the appropriate membership category, at the time of an event giving rise to a request for assistance. The events must not predate the date of joining Medical Protection.
- Members who have membership with claims-made protection have additional obligations around the reporting of adverse incidents. Please see the relevant guidance here.
- You must have paid the correct subscription rate to reflect your scope of practice and complied with the Memorandum and Articles of Association.
- You must have been registered and/or licensed with the appropriate regulatory body to carry out the clinical duties you undertake, you must have appropriate training and experience, and you must be (or have been) working within the boundaries of your professional competence and scope of practice.
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We carefully consider each request for assistance, but there are some circumstances in which we are unlikely to help. The following, whilst not an exhaustive list, are some examples of where we are unlikely to provide assistance.
These may include, for example:
- Claims relating to property, including its damage or destruction.
- Claims relating to making, distributing or selling any product (product liability).
- Claims that relate to public or employers liability (for example a patient or member of staff falling on your premises).
- Pollution or environmental claims, other than relating to treating an individual patient who is injured or ill as a result of pollution.
- Claims arising from cyber-attacks and/or cybersecurity breaches.
- Claims and/or monetary penalties arising from data loss or data breaches.
- Claims arising from your vicarious liability for any act or omission (i.e. failure to act) of a registered medical or dental practitioner, or any other healthcare professional*.
- Claims arising from the clinical practice or criminal act of your partner in a firm, including a general medical practice, or dental practice irrespective of any partnership agreements.
*Subject to agreement with Medical Protection, some categories of membership extend the right to request assistance for claims arising from the vicarious liability of some employed healthcare professionals e.g. dental nurses and healthcare assistants.
Further information on our vicarious/extended liability policy can be found here.
- Activities not related to the normal treatment of a patient, for example drink driving offences, possession of drugs or assault.
- Claims arising from the unlawful sale, supply or use of any substance.
- Matters arising from a deliberate intention to cause harm, or from a fraudulent, dishonest, malicious or reckless act or omission (including retrospectively altering clinical or other records).
- Claims arising from allegations of sexual harassment, sexual misconduct, unlawful discrimination or any other alleged unlawful conduct.
- Criminal allegations arising from your personal interactions, unless brought before your professional regulator.
Medical Protection is unlikely to assist with matters relating to personal rather than professional conduct unless brought before your professional regulator.
Examples of personal conduct include (but would not be limited to):
- Allegations relating to bullying and harassment.
- Allegations relating to dishonesty.
- A failure to comply with basic employment and/or professional requirements (for example failure to attend mandatory training courses, failure to comply with appraisal and/or revalidation requirements).
- A failure to meet a prescribed academic standard.
- Partnership, employment or agency disputes (whether contractual or otherwise), or compensation claims.
- Fee scales and recovery of charges for work you have carried out.
- Claims arising from your involvement in the clinical management or assessment of a professional sports person where the claim is brought by a party other than the patient or their dependants – for more information on treating professional sports people click here.
- Assistance with claims brought by any employer, agent, contractor or sponsor of an individual patient or the organiser or owner of any event for which you provided professional services.
- Issues arising from commercial contracts or arrangements, or related to any trading or personal debt you may have, including claims arising from your insolvency or bankruptcy.
- Investigations or administration fines brought by competition authorities, the information commissioner, or any regulatory or supervisory body, excluding your professional regulatory body.
- Any indirect or consequential loss or loss of profits or earnings by you or your practice.
- Legal expenses or costs if you pursue a grievance or claim of defamation or discrimination against someone else.
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- Personal costs arising from your attendance at court, hearings or meetings with us about a case, or the costs of any locum cover you may arrange.
- Claims made by someone other than the subject or recipient of a professional or expert report you provided.
- Assistance with applications to professional lists or registers e.g. Medical Register.
- Damages awarded in a claim for defamation against you.
- Claims arising from material published or broadcast by you, or on your behalf, or to which you have contributed.
- Claims arising in a jurisdiction not covered by your membership.
- Matters arising from your failure to meet the legal or regulatory requirements of another country in which you were practising.
- Claims made under US and Canadian law or brought in the US or Canadian courts. For further information please click here.
It is vital that you keep us up-to-date with any changes to your work that could impact on your membership. You are responsible for ensuring that the protection provided is appropriate for the work you undertake. Any failure to disclose full and accurate details could result in the declining or withdrawal of membership benefits and/or the termination or cancellation of membership. Please notify us of any changes in advance or as soon as possible after they come into effect.
Examples of changes we would expect you to tell us about include:
- Any change of contact details.
- An inability to work for an extended period of time.
- A planned return to work after a break in membership.
- Any change to your scope of practice, number of sessions or hours worked or, where you have been advised of its relevance, your invoiced private practice revenue.
Members who are part of a Group Membership scheme should note that it remains their responsibility to ensure that membership is adequately maintained by the person within the group tasked with the administration of the scheme. Failure to inform us of a change, for example failing to inform of a return to work following maternity or paternity leave, cannot normally be rectified retrospectively.
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- Notify us of any claims or circumstances that might give rise to claims or cases made against you in a timely way.
- Fully comply with Medical Protection’s requests, for example to provide information in relation to your membership.
- Comply with Medical Protection’s reasonable requirements for case management (for example, to attend conferences or meetings to provide information).
- Be honest and truthful in all dealings and behave in a reasonable manner towards Medical Protection staff.
- Accept Medical Protection’s choice of legal representation.
- Accept Medical Protection’s advice and conduct of cases in all material matters (including case strategy and settlement).
- Co-operate fully with us and our representatives.
- Provide full and accurate information relevant to the case without delay, and be truthful and act in good faith at all times.
- Not admit legal liability for a claim, or settle a claim without our agreement. This does not restrict members from being transparent in the event of an adverse incident, or from providing an appropriate apology.
For information on our use of your personal data and your rights, please see our Privacy Statement.
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