Medical Indemnity for Individuals

Medical Indemnity insurance protects you against claims that arise from professional negligence and breach of duty from professional services, such as treatment and care that you have provided to your patient.

Your Journey with Medicas

Who do Medicas help?

We have the expertise to place a variety of medical professionals from specialist surgeons to dentists. Whether your medical sector is niche or general we have the resources to not only provide you with a quality quote but a quote specific to you with your best interests in mind.

• Consultants

  Whether your medical sector is niche or general we have the resources to not only provide you with a quality quote but a quote specific to you.

• Dentists

  Dental practices are built on trust, and that is why ensuring you have the right insurance policy is essential to your reputation, income and staff.

• Medical Practitioners

  we cover all disciplines of registered medical professionals globally for medical indemnity coverage for individual practitioners.

• Medico Legal Insurance

  Unlike mainstream medico-legal professional indemnity policies, Medicas's bespoke medico-legal Indemnity programme caters for individual medical professionals, groups and associations.

• Run Off Cover & Extended Reporting Periods

  If you have been declined medical indemnity or regarded as a ‘Distressed Doctor’ by your defence union – we want to help you get back on track.

• Surgeons

  we specialise in creating bespoke insurance solutions for Surgeons.

If you’re job role isn’t included in this list, don’t fret, fill in our request a call back or start a quote form and you can discuss your specifics with one of our expert team to discover if we can support your journey to access insurance.

Key areas Medicas covers

As a specialist Medical and Healthcare Liability risk manager, we take time to understand your technical requirements from a regulatory, medical and insurance perspectives. Giving you protection from all angles. Such as:

1. Patient Referral Delays

   A patient could file a claim against you if they feel their referral (that you as a professional have requested) has taken too long, resulting in increased health issues or development of new health issues, causing emotional and psychical discomfort.

2. Premature Discharge

   In the event where a patient has been admitted but prematurely discharged which results in further injury, sickness or have severe impacts on the patients’ mental or physical health. A claim could be filed arguing that had the patient remained in care for longer, the resulting impacts could have been mitigated or prevented.

3. Mental Harm of Patients

   Where the treatment, or outcome of treatment, has affected a patient negatively, emotionally and/or mentally. If a patient feels your treatment has worsened any mental ailment or has created one, a claim may be made against you.

4. Sexual Harassment

   In the event of interaction between patient and professional that is deemed professionally and socially inappropriate, the individual (patient) affected may file a sexual harassment claim against the medical professional.

5. Misdiagnosis

   Claims arise where misdiagnosis has led to serious injury of a patient, severe healthcare issues or even death, where the individual(s) affected deem you liable.

6. Patient Injury

   If a patient receives treatment that causes an injury, or worsens an injury, and the patient finds you responsible our indemnity will protect you from.