Yes you can. We offer Retroactive Reporting Benefits which mean you benefit from continuous professional protection with no gaps if you switch to us.

Retroactive Reporting Benefits (RRBs), sometimes known as ‘nose cover’, allow you to maintain continuity of indemnity or insurance cover when switching from a claims-made insurance provider to Medical Protection’s occurrence-based membership.

RRBs offer you protection for incidents that happened before you became a member. This means that if, after you join Medical Protection and are in your first five years of membership, you become aware of an incident that occurred at any time while you were insured by another provider, you can report it to us and request assistance should it lead to a claim or a complaint. You cannot report an incident which you were aware of before you joined Medical Protection, as this should have been reported to your previous insurer.

Click here to download a leaflet with more information about our RRBs or contact us to get a quote.

Medical indemnity offers doctors financial protection against claims resulting from clinical negligence. This is to cover legal defence fees if a patient sues for negligence, and any compensation awarded to the patient. 

The cost of medical indemnity varies widely and depends on the estimated risk of your practice. This will be influenced by your medical field, your experience, and your claims history. 

At Medical Protection your subscription is tailored to the work you undertake at each stage of your career. We offer free membership for students, a number of fixed-price options, and subscriptions that take into account the type of work you do, the risks you face, the amount of work you carry out, and the income you earn. The best way to find out how much your subscription will cost is to get a quote.

Yes, medical indemnity is considered a legitimate business expense incurred as part of performing professional duties. It can therefore be claimed as an allowable expense. 

Medical malpractice insurance is usually bought as a stand-alone policy from an insurance company. It provides cover within set limits and restrictions, set out in the terms of a legally binding contract. Insurance policies are ‘claims-based’, meaning they only cover claims for incidents that happen while the policy is valid.

Extended reporting rights that cover historical liabilities – sometimes known as run-off cover – have to be purchased separately. This is worth considering, given the average delay between an incident and the reporting of a claim can be several years. 

• Indemnity for clinical negligence claims
• Support and representation in MCHK investigations
• Assistance with criminal investigations arising from your clinical practice
• Representation and assistance in inquests
• Help responding to patient complaints
• Medicolegal advice line, available 24/7 for emergencies
• Support for managing unwanted media attention
• Protection for Good Samaritan acts worldwide
• CPD courses and online learning
• Digital publications, factsheets, and case studies
• Confidential counselling and wellbeing advice
• Help in disciplinary proceedings

This depends on the type of policy or membership you buy. A typical medical insurance policy covers claims related to medical errors, negligence, or misdiagnosis that result in harm to patients. This cover is provided within set limits and restrictions, set out in the terms of a legally binding contract. 

In contrast, Medical Protection membership offers indemnity with no caps or limits. Membership of MPS includes protection and support through a wide range of medicolegal scenarios, including the right to request indemnity for clinical negligence claims, advice and legal representation for inquests, disciplinary and regulatory proceedings and criminal investigations arising from our professional practice. 

To complete your application online, it should take around 20 minutes. Some applications will be confirmed immediately, while others may be referred to our underwriting team for review. If your application is referred, you should receive a response within 10 working days of the referral. It’s important that you still have alternative protection arrangements in place until we confirm your membership.

Absolutely not. You have unlimited access to the helpline, and the number of times you call it won’t affect your subscription rate.

As soon as you can. Unlike some insurers we don’t have to wait until a claim is made to help – if you receive a complaint, for example, our experts can help you prepare the best response in order to prevent the situation escalating. Or if you just need some advice – contact our medicolegal advice team.

We take into account the type of work you do, the number of hours you work, the risks you face within your role, and the risk identified from the claims experience of members undertaking similar work in your location.

We review subscription rates annually and where savings can be made, we pass these onto members wherever possible.

Yes – if you take a temporary career break or retire, you can ask us to put your membership in the retired/deferred category. This means you will be protected for any incidents that arose during your period of active membership. You will pay no subscription, can still ask us for help with Good Samaritan acts that happen during your career break, and will continue to receive our publications, including annual reports.

If you are employed by the Hong Kong Hospital Authority, and treat patients in a state facility, the state provides indemnity against clinical negligence claims arising from your professional practice.

State indemnity only covers the financial consequences of a claim for clinical negligence. Its purpose is to ensure public patients are compensated if they suffer harm, rather than to protect you or your professional interests.

It does not extend to assistance for internal complaints and disciplinaries related to your clinical practice, inquests, Medical Council investigations, or criminal investigations arising from your clinical practice.

Medical Protection membership does entitle you to request assistance in these situations. We also help with advice and guidance on how best to protect your career, preparing and checking reports for the State Attorney, and supporting you with media relations to help protect your reputation.

Further benefits include expert risk management courses and webinars to help you protect your career, counselling and wellbeing support, and assistance with Good Samaritan acts anywhere in the world.

Yes it does, from 1 April 2025. In response to our consultations with members over the last year, we have extended our protection to include the Greater Bay Area. This is included in your membership at no additional cost, and unlike with insurance, there is no 180-day time limit - you are protected throughout the GBA for as long as you are a member.

Because the indemnity we protect you with is discretionary, we have the flexibility to help even in the most unusual circumstances, or where a new problem appears. This is very different to insurance, where policies include fixed terms and exclusions. It is only in exceptional circumstances that we’re unable to help – for example, if a member wasn’t in membership when the incident occurred, had underpaid their subscription or underdeclared their scope of work.

While most insurance companies have shareholders to pay, Medical Protection is a member-owned, not-for-profit organisation. This means we exist purely for the benefit of our members.

As well as everything we do to protect and support you as an individual, we campaign for regulatory and legal reforms on behalf of all our members and the profession as a whole.

We are the only medical defence organisation to run a global, not-for-profit research initiative, the MPS Foundation, dedicated to improving patient safety, reducing risk, and enhancing the wellbeing of all healthcare professionals.

There are two types of professional protection: claims-made and occurrence-based.

• Claims-made indemnity is what insurance policies are usually based on. This type of indemnity protects you for claims related to your practice that arose, and are reported during, a continuous period of membership. This means that if a claim arose outside that period, you would not be able to seek assistance unless you bought ‘run off’ cover (also known as extended reporting benefits). This can be expensive and limited to a set number of years, whereas complaints and claims can arise even decades after the event.

• Occurrence-based indemnity – the type Medical Protection provides in Hong Kong – protects you for incidents that occur during your period of membership, even if a claim related to the incident is not made until years after. Providing you were in membership and paying the correct subscription at the time of an incident that’s given rise to a case or claim, we can protect you even if you’re no longer in membership, or retired. That means you are protected for future claims arising from any year in which you were a member.

The principle of discretion means having the freedom to decide what should be done in any given situation. The discretionary approach to indemnity gives us the flexibility to help members in situations where a tightly worded insurance contract might rule out help.

We use people, rather than contracts, to decide how best to help. Our medicolegal consultants, specialist lawyers, and cases and claims experts use their insight to determine the right course of action, and bring their experience and understanding to supporting you every step of the way. We are owned by members, so our starting point is always to see how we can help members.

If you believe that you’re going to be late, we’d recommend that you register on another date. The introduction to each session is important for the messages later. Most colleges require proof from us that you’ve attended the complete workshop and may take into consideration any discrepancies between attendance-register records and time claimed.

If you believe that you’re going to be late, we’d recommend that you register on another date. The introduction to each session is important for the messages later. Most colleges require proof from us that you’ve attended the complete workshop and may take into consideration any discrepancies between attendance-register records and time claimed.

All virtual workshop places are limited and it’s not possible for the workshop presenters to cater for members who do not book a place in advance.

The course materials are only an addition to the virtual workshop and not a replacement for it. They don’t contain the videos, exercises or speaker’s notes that are vital parts of learning. This means the course materials are only for those who attend and can’t be sent out or made available online.

Our virtual workshops are extremely popular, and with limited spaces available they can book out within a very short time. Members are encouraged to log in to our online learning hub regularly to see what professional development courses are available.

If you give us notice or if an emergency arises (either private or patient) we won’t charge you. However, we do reserve the right to charge a cancellation fee to attendees who don’t contact us about their inability to attend (before or after the event), particularly if this happens on more than one occasion.

Not at present. Our range of doctor-led professional development training (included in your membership) is designed to reduce your risk, better protect your career and improve patient outcomes.

All in-person workshop places are limited and it’s not possible for the workshop presenters to cater for members who do not book a place in advance.

The course materials are only an addition to the face-to-face workshop and not a replacement for it. They don’t contain the videos, exercises or speaker’s notes that are vital parts of learning. This means the course materials are only for those who attend and can’t be sent out or made available online.

Our in-person workshops are extremely popular, and with limited spaces available they can book out within a very short time. Members are encouraged to log in to our online learning hub regularly to see what professional development courses are available and secure their place on any of interest.

If you give us notice or if an emergency arises (either private or patient) we won’t charge you. However, we do reserve the right to charge a cancellation fee to attendees who don’t contact us about their inability to attend (before or after the event), particularly if this happens on more than one occasion.

Medical Protection won’t charge you for parking. However, the venue where the workshop is being held may charge a fee to use their car park (if available). This is at the discretion of the venue, so we advise you to check before you travel.

We don’t, because we believe that most members would agree that the reimbursement of other members’ travel expenses isn’t a good way to use their funds.

Not at present. Our range of doctor-led professional development training (included in your membership) is designed to reduce your risk, better protect your career, and improve patient outcomes.

Your membership offers comprehensive protection through advice, support and assistance with clinical negligence claims*, MCHK matters, support with complaints, disciplinary proceedings, inquests and criminal investigations arising from clinical practice, 24/7 medicolegal advice, risk prevention, CME and more.
Find out more about your benefits 

*for private practice members 

At Medical Protection we understand the vital role that humanitarian care plays worldwide, especially in times of crisis. That is why humanitarian protection is something we’ve offered for many years.

You can request protection for humanitarian work if…
• Your membership is current
• You have been in membership for a minimum of 6 months
• You are working for a recognised charity or humanitarian organisation
• You contact Medical Protection before you intend to travel
• You have met all of the destination country’s professional criteria
• Your intended work excludes the management of pregnancies 

In addition, you can request the benefit of membership relating to humanitarian work for up to 6 months in any 12-month membership period. This can be applied to shorter periods of travel, or for a single 6-month period.


Other things medical volunteers need to know

As a volunteer, you are always responsible for checking that you understand and follow the laws and regulations of the country where you will be volunteering, including any requirements for work permits or visas. You also need to understand and follow any professional obligations such as registration or licensing, and the rules about the type of indemnity you are required to have.

Members who have met all of a country’s professional criteria can request assistance from us. However, this is only available for matters brought within the member’s home territory.

The benefits of membership (including the right to request indemnity) do not extend to any matters arising from the management of a pregnancy under humanitarian care.

If you would like any further details about the humanitarian protection that we provide, please contact the Member Services team for more information.

Please complete the online form to request sponsorship or request a speaker. You can do this here. At least four months notice is required to be involved in any activity. 

Please call our medicolegal advice line on 800 908 433 (Available 24/7).

If your scope of work has changed and you think you may be on the wrong grade please get contact by emailing [email protected] or call 800 908 433 so that your membership can be updated. 

We actively encourage members to contact us for advice to provide peace of mind and to help prevent a concern or problem escalating. Medical Protection does not use the number of requests for advice as part of its risk assessment of a member.

This includes determining their membership subscription. In exceptional cases, where a request for advice involves facts or circumstances of a highly unusual or unique nature it might trigger a general review of an individual’s risk profile.

However, we stress that this would be very unusual. So, if you want to discuss a medico-legal issue or need advice on how to prevent a concern or problem escalating, please do let us know - we are only a phone call away.

Read our article to find out what to do next.

No, we can issue a duplicate certificate to you free of charge. Please email [email protected] to request a new certificate.

Medical Protection is commited to ensuring that your subscription rate is reflective of the work you carry out. Read more

Membership offers support with complaints, disciplinary proceedings, inquests and criminal investigations arising from clinical practice, 24/7 medicolegal advice, risk prevention CME and more. Find out more about your benefits.

For over 125 years we have focused exclusively on protecting healthcare professionals against allegations of clinical negligence, and have unparalleled insight into the risks you face over the span of your career, and beyond. We believe you should have a protection product that meets your full requirements in the long-term as well as the short-term. With our occurrence-based protection, there are no limits to the indemnity we can provide*, no excesses to pay and no need to make additional indemnity arrangements when you retire, end membership or cease practice. You should check the availability and affordability of run-off cover when comparing the costs of any insurance policy versus Medical Protection membership. Your membership is backed by the power of discretion, which means there are no small print or exclusions to worry about. Discretion allows us to respond to changes in medicine and the medicolegal environment, assisting members with emerging problems that may not have been foreseen at the time you took up membership.

*Indemnity limits apply to members in high-risk paediatrics and obstetrics. 

Read our article to find out why discretionary indemnity and the flexibility it offers is important.

If you are employed by the state, and treat patients in a state facility, then the state provides indemnity against claims arising from your professional practice.

State indemnity will only cover the financial consequences of a claim for clinical negligence. Its purpose is to ensure public patients are compensated if they suffer harm, rather than protect you or your professional interests.

However, it does not extend to assistance for:

• internal complaints and disciplinaries related to your clinical practice
• inquests
• Medical Council investigations
• criminal allegations arising from the provision of clinical care.

As a Medical Protection member you would however be entitled to request assistance in these circumstances.

We can also help members by advising them on how best to protect themselves in their professional practice, assisting in preparing and checking reports for the State Attorney and providing assistance with media relations to help protect their reputation.

Additional benefits include, but are not limited to, free communication skills and risk management workshops, verifiable CPD and CEU, emergency medicolegal advice available 24/7, and support and assistance for Good Samaritan acts.

If you currently have an on-going regulatory case open with us, you can be reassured that we will continue to support you and provide you with the same high quality advice and support that you have always received from us. 

If you receive a complaint or claim arising from an adverse clinical incident that occurred during your membership period but is only reported once it has ended, then you will still have the right to request the same high quality advice, protection and support that you have always received.

You will continue to have the right to request assistance from Medical Protection- just as you always have. 

If you receive a complaint or claim arising from an adverse clinical incident that occurred during your membership period but is only reported once it has ended, then you will still have the right to request the same high quality advice, protection and support that you have always received.

If you currently have an on-going regulatory case open with us, you can be reassured that we will continue to support you and provide you with the same high quality advice and support that you have always received from us.
 
For more details on the wide range of member benefits, please click here

Absolutely not. 

We want to reassure you that our commitment to Hong Kong remains as strong as ever. We are immensely proud to have supported Hong Kong healthcare professionals for more than 60 years, and we will continue to offer the same high quality service that we always have. 

Our priority is to support you during this time, and to provide reassurance of our continued commitment to all medical members. 

Following feedback from members, we would like to offer you a choice about your membership. 

You will be able to choose whether you would like regulatory protection included in your membership, and will still be able to access the following benefits: 

• Criminal investigations
• Disciplinary proceedings
• Risk management
• Coroners inquests
• Advice dealing with complaints

Medical Protection membership is provided on an occurrence-basis. This offers greater peace of mind, as you can request help for incidents that took place during membership, at any point in the future and without additional cost.*

* The benefits of membership are only available to members paying the appropriate subscription, and are provided subject to the conditions set out in the Memorandum and Articles of Association.

Medical Protection membership is provided on an occurrence-basis. This offers greater peace of mind, as you can request help for incidents that took place during membership, at any point in the future and without additional cost.* 

You will also continue to have access to a range of benefits, this includes:
• Criminal investigations
• Disciplinary proceedings
• Risk management
• Coroners inquests
• Advice dealing with complaints

* The benefits of membership are only available to members paying the appropriate subscription, and are provided subject to the conditions set out in the Memorandum and Articles of Association.

Unfortunately, no. Membership cannot be ended or changed part way through the year. As part of your membership you will be able to continue to access the member benefits, including assistance for regulatory matters that occur during membership.

Unfortunately, no. Membership cannot be ended or changed part way through the year. As part of your membership you will be able to continue to access the member benefits, including assistance for regulatory matters that occur during membership.

If you are renewing your membership with Medical Protection will automatically be amended to remove the indemnity element for regulatory cases. At that time we will revise your membership and subscription which will result in a reduced subscription.
You also have the option of continuing your full government and HA membership with assistance for regulatory matters, such as medical council issues. 

If you are employed by the Hospital Authority (HA), you are welcome to continue your individual membership with us. Although this would be in addition to the new HA arrangement. 

With Medical Protection your membership is provided on an occurrence-basis. This offers greater peace of mind, as you can request help for incidents that took place during membership, at any point in the future and without additional cost.* There are also no caps or limits to the indemnity we can offer. 

You will also be able to request essential support that goes beyond regulatory assistance, should the worst happen. This includes help with disciplinary proceedings, coroner’s inquests, criminal investigations arising from clinical care, and protection for Good Samaritan acts.

* The benefits of membership are only available to members paying the appropriate subscription, and are provided subject to the conditions set out in the Memorandum and Articles of Association.

(Scroll down to view FAQ on regulatory cases that are open or not reported yet)

GPs who have full Medical Protection membership can request indemnity for tongue-tie division if:

• they have appropriate training and experience
• patients/parents are properly informed of the procedure, this includes the risks as well as potential complications, and consent has been obtained before proceeding
• it is performed in an appropriate setting. Procedures not carried out in clinical premises must be undertaken in a safe environment with adequate and appropriate facilities.

Those who are on obstetrics/gynaecology, paediatric and GPs on their current grade can request indemnity for undertaking the Harmony prenatal test provided members ensure:

• patients are adequately counselled and consented
• patients are appropriately followed up
• full records are maintained (including records of the counselling and consent, as well as follow up arrangements).

Yes. In the unlikely event that you are sued as a result of a Good Samaritan act, you can apply for assistance from Medical Protection, no matter where in the world the action is brought.

 

Medical Protection defines a Good Samaritan act as one in which medical assistance is given, free of charge, in a bona fide medical emergency upon which you may chance, in a personal as opposed to a professional capacity, eg, assisting a fellow spectator at an event.

For doctors, ignoring such a predicament is never an option. When called into action while off duty, you must remember to make a full clinical record after treatment.

You must assess your own competence in handling the situation – eg, you may be under the influence of alcohol – and proceed accordingly.

Only intervene if the situation is an emergency. Any situation that is beyond your competence may still benefit from your input, to a degree. For example, you can use your clinical skills to take a history, make an examination to reach a preliminary assessment, and give an indication of the likely differential diagnosis. You can also suggest options for the management of the situation pending arrival of support. 

We consider that a response to the GoodSAM App, provided it is in accordance with the GoodSAM App code of conduct, falls within our definition of a Good Samaritan Act.

Students can apply online for free MPS membership. All other doctors can access application forms from the Join MPS section of the website (see the "Join" button at the top of the page). Please ensure you read the important information at the bottom of the page before completing the application and returning it to the address shown at the top of the form.

The application must be completed in full and signed and dated within two months of your required membership start date.

Your application can be submitted by post, fax or email.

MPS is the world’s leading medical defence organisation, putting members first by providing professional support and expert medicolegal advice throughout their careers. We have more than 300,000 members worldwide. 

MPS has been helping doctors who find themselves in medicolegal difficulties since 1892. We are here to help and support members when they need it. We work only for the benefit of our members, and have no external commercial or shareholder interests to distract us.

A recent survey of our members provided the following feedback:

“I have contacted MPS on a number of occasions for general advice and have always been very impressed by the services I received.”

“Very quick responses, clear advice and guidance, a sympathetic ear.”

“Speedy, efficient, courteous, knowledgeable – I have always been impressed by the MPS and my latest enquiry only strengthened my good opinion.”

Members who retire, take a career break or who otherwise stop practising medicine voluntarily - either temporarily or permanently (excluding holidays), can request to retain Medical Protection membership in the retired/deferred category.

As a retired or deferred member with occurrence-based protection, you pay no subscription, still receive the Medical Protection journal, Casebook, and our Annual Report and Accounts, and can apply for Medical Protection assistance with any medicolegal problems arising from a “Good Samaritan act”.

However, if you decide to leave Medical Protection, then you will not be entitled to any assistance in relation to a Good Samaritan act if the incident occurs after your membership has ended. You must also inform us before you resume practice, so that we can ensure you are placed in the correct category of membership.

Members with claims-made protection should contact us to find out how a break will affect their membership.

HKMA will not re-allocate CPD/CME points if you have attended the same workshop before.

No. While we believe education to be an appropriate use of (a small part of) members’ subscriptions, we do not believe that the majority of members would agree that reimbursement of other members’ travel expenses would be a good way to use their funds.

MPS does not pay for car parking. However, the venue where the workshop is being held may charge a car parking fee to use their car park (if available). This is at the discretion of the venue so we advise you to check before you travel.

If you believe you are going to be late, we would recommend that you register on another date. The introduction to the workshop is important for the messages later. Most colleges require proof from us that you have attended the complete workshop and may take into consideration any discrepancies between attendance-register records and time claimed.

The course materials are only an addition to the workshop and not a replacement for it. They do not contain the videos, the exercises or the speaker’s notes that are vital parts of the workshop. Therefore, we do not provide workshop material to people who do not attend.

The course materials are only an addition to the workshop and not a replacement for it. They do not contain the videos, the exercises or the speaker’s notes that are vital parts of the workshop. Therefore, the workshop material is not available online. 

We know that it can be difficult for some members to attend workshops. This is why MPS has launched Prism, an online e-learning resource for members. You can access it by clicking here.

Sorry, no. We copyright our materials as we believe that intensive training is required to be able to fully explain the concepts contained within. Presenters undergo a four-day residential training session to get to that point. However, we would be delighted to run the workshop within your organisation.

No, places are limited and it is not possible for the workshop presenters to cater for members who do not book a place in advance.

Your letter may have been delayed in the post. There are limited spaces available for each workshop and because the workshops are well received they can fill within a very short time. Most people go online to make bookings and, especially over weekends, this often means that they take the spaces first.

If you are employed by the state, and treat patients in a state facility, then the state provides indemnity against claims arising from your professional practice.

State indemnity will only cover the financial consequences of a claim for clinical negligence. Its purpose is to ensure public patients are compensated if they suffer harm, rather than protect you or your professional interests.

However, it does not extend to assistance for:

• internal complaints and disciplinaries related to your clinical practice
• inquests
• HPCSA investigations
• criminal allegations arising from the provision of clinical care.

As a Medical Protection member you would however be entitled to request assistance in these circumstances.

We can also help members by advising them on how best to protect themselves in their professional practice, assisting in preparing and checking reports for the State Attorney and providing assistance with media relations to help protect their reputation.

Additional benefits include, but are not limited to, free communication skills and risk management workshops, verifiable CPD and CEU, emergency medicolegal advice available 24/7, and support and assistance for Good Samaritan acts.

More information about Medical Protection membership for state-indemnified professionals can be found here. 

Medical Protection regards providing an expert opinion as an integral part of professional practice. As with all aspects of professional practice it is essential that you act within the limits of your own expertise.

Medical Protection has assisted many members with claims arising out of the provision of an expert opinion and considers these in the same way as any other claim in negligence against a member.

Please contact us to check that you are paying the correct subscription to reflect your medicolegal practice.

No. We can issue a duplicate certificate to you free of charge. Please contact your local membership office to discuss your requirements.

[email protected]

No, not at present. The main benefits of engaging with our educational programs are:

• enhanced risk management and prevention skills
• improved patient outcomes
• reduced likelihood of involvement with claims or complaints and the associated stress, worry and inconvenience they bring.

Medical Protection defines cosmetic/aesthetic procedures as those which have as their primary purpose the alteration of the non-pathological external appearance of a patient.

If you are not an accredited plastic surgeon and you are considering undertaking any cosmetic/aesthetic procedures, whether surgical or non-surgical, you must contact a membership adviser to discuss your plans in advance.

Extended liability

Medical Protection membership grants the right to request indemnity in relation to your own clinical practice. However, as an owner or partner in a practice you may be responsible for liability arising from other elements of the business, for example:

• vicarious liability for the acts and omissions of other healthcare professionals or staff at your practice;
• liability for products that are sold at your practice;
• liability in relation to the safety of the practice environment; and
• liability for non-clinical matters such as taxes and the performance of contracts entered into by or on behalf of your practice.

It is important to understand that the subscription for an individual Medical Protection member is calculated on the basis of the risk represented by that member alone. In the interests of fairness across the membership as a whole, where you are exposed to additional liabilities (such as those listed above), you do not have the right request indemnity for matters beyond your own clinical practice, unless your membership grade is expressly extended to cover these. Note that Medical Protection offers corporate membership and other bespoke arrangements for members who require indemnity for the clinical negligence of their staff. Please contact your local membership office for further information.

If you are concerned about any issue or incident which has occurred in your capacity as a doctor or other healthcare worker, we would encourage you to get in touch immediately by calling our medicolegal advice line. There is no stigma attached to seeking guidance or support, and we would rather you asked for help in time to avoid a problem instead of waiting and hoping for the best, only to find yourself in greater difficulties later. 

Medical Protection occurrence-based protection will respond to claims brought against you, even after your membership has ended and your subscription payment has ceased, as long as the alleged incident happened during the period of your Medical Protection membership and you were in the appropriate membership category at the time the incident occurred.

For Medical Protection claims-made protection, this would require you to purchase extended reporting benefits (ERBs) from Medical Protection, to enable you to report an incident you only became aware of after your claims-made protection membership ends. Alternatively, if you continue to practice after ceasing Medical Protection membership, you may be able to make arrangements with your new provider to allow you to report the incident to them.