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The GP indemnity hub is the place where you can access information about the state-backed indemnity schemes for GPs and others working in general practice in England and Wales.
We have actively campaigned for support for GPs from the moment the UK Government announced it was changing the PIDR.
 We have consistently pushed for reforms that address the issues within primary care, and we will continue to work with the UK and Welsh governments to ensure that the proposed schemes are fair and meet the needs of GP members.
We have agreed that the Government will provide comprehensive clinical negligence protection for members in general practice.

In February 2017, the UK Government made a substantial change to the way in which personal injury compensation payments are calculated. The decision to lower the personal injury discount rate (PIDR) saw the rate at which payments are calculated fall from 2.5% to minus 0.75%, resulting in a significant increase to the cost of settling large clinical negligence claims, especially for GPs.

What's happened since then?

There have been a number of developments relating to clinical negligence indemnity since the PIDR change, including the Government consulting on how the discount rate is set for England and Wales – with the proposal being that the rate be set at a higher level and also reviewed more often so as to avoid sudden changes to the rate in future.  The UK and Welsh governments also announced that they were to introduce state-backed indemnity schemes for GPs and others working in general practice in England and Wales.

What does state-backed scheme mean for me?

Both the England and Wales state-backed indemnity schemes provide indemnity against clinical negligence claims arising from NHS contracted work - in a similar arrangement to the NHS indemnity scheme for NHS hospital doctors. The schemes do not include indemnity for non-contracted NHS work, or provide support for complaints, GMC inquiries, inquests and disciplinary proceedings. Medical Protection will continue to offer this support to general practice members, just as we have for hospital doctors since NHS indemnity was introduced for them in 1990.

For information on what state-backed indemnity means for you and your Medical Protection membership click here

Campaigning for you

We were absolutely clear from the outset that members working in general practice should not have to shoulder any additional financial burden as a result of the Government’s decision to amend the PIDR, and have consistently pushed for them to provide comprehensive support for GPs and others working in general practice. 

We have campaigned over the last couple of years to ensure that the impact of the amended PIDR was fully understood and properly taken into account in governmental decisions. The outcome of this is that the well-publicised state-backed scheme for new claims (known as the Clinical Negligence Scheme for General Practice or CNSGP) in England will also be supported by an Existing Liabilities Scheme (ELS). This is a good outcome for members and means that the Government assumes responsibility for all existing claims against GPs where the adverse incident date was before 1 April 2019, as well as for claims that are brought after 1 April 2019 – so long as these claims relate to treatment under a NHS contract.

This is a really positive outcome, which mirrors the approach that was taken for hospital doctors when their arrangements were introduced in 1990, and is something we have argued for since the proposals for state-backed GP indemnity were first announced.

You can read more about the Existing Liabilities Scheme and what it means for you here.

We have included some Q&As to help provide you with more information and the Existing Liabilities Scheme Q&A.

 


 

We know you’ll have questions

We know that you will have questions, so we have included some Q&As to help provide you with more information. We have also provided some case studies to illustrate the effect that the PIDR change is having on the cost of clinical negligence claims.




GP indemnity articles
News and updates 27/11/2018

The importance of professional protection

The importance of professional protection

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Click to read through the reasons why retaining professional protection for help with these challenges is so important.

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News and updates 21/09/2018

Medical indemnity guidance from the BMA

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Medical indemnity guidance from the BMA

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The BMA has recently updated their site with some medical indemnity guidance for GPs . Included in this guidance is their assertion that clinicians working in primary care will still need to retain their MDO membership.

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Press release 14/05/2018

The Welsh Government has announced its intention to introduce a state...

The Welsh Government has announced its intention to introduce a state-backed scheme for clinical negligence indemnity, for GPs in Wales

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Simon Kayll, CEO at the Medical Protection Society (MPS), commented on the Welsh Government's announcement of its intention to introduce a state-backed scheme for clinical negligence indemnity, for GPs in Wales

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News and updates 08/03/2018

Government GP indemnity survey

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Government GP indemnity survey

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The Government is surveying GP professionals in England to gain a clearer understanding of their needs ahead of the new state-backed scheme.

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News and updates 08/03/2018

GP state-backed indemnity - what we know so far

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GP state-backed indemnity - what we know so far

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UPDATE: Eight months after the UK Government announced its intention to provide state-backed indemnity for GPs in England, we look at what we know about the planned scheme.

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GP indemnity case studies
Case report 27/11/2018

Video: Two years of Multiple Jeopardy

Video: Two years of Multiple Jeopardy

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A patient dies after amoxicillin reaction – we support GP through criminal investigation, inquest and GMC hearing.

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Case report 13/12/2017

Anatomy of a claim

Anatomy of a claim

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Back pain, paraplegia and a series of complaints – how Medical Protection helped at every step.

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Case report 13/12/2017

Multiple Jeopardy

Multiple Jeopardy

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A patient dies after amoxicillin reaction – we support GP through criminal investigation, inquest and GMC hearing.

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