Occurrence-based protection allows you to request assistance even after you have left Medical Protection membership and your subscription payment has ceased, provided the incident you are requesting assistance for occurred during the period in which you were a member and you were in the appropriate category of membership with Medical Protection.
Claims-made protection allows you access to all of 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.
Both options gives you access to the wider benefits of membership, such as: protection for Good Samaritan acts, free risk management workshops and online learning with verifiable CPD/CEU/CME, as well as online case reports and medicolegal factsheets.