State-Backed Medical Indemnity Scheme: What Does It Mean for Your GPs?

Carolyn Baker-Mellor

Care Insurance Director and Client Services Leader, read more

2 minutes

Written: May 14, 2019

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Female physician with stethoscope explains a prescription bottle to a patient during an office consultation

Do GPs still require medical indemnity cover?

With the implementation of the new state-backed medical indemnity scheme from 1 April 2019, your GPs are probably anticipating significantly lower insurance costs. Find out how this will affect your medical indemnity cover.

Yes. The new scheme will only cover GPs for work undertaken by NHS contracted medical services, so this means that medical indemnity cover will still be required for:

Any private or fee-paying work undertaken
GMC proceedings
Patient complaints
Coroners’ cases
Criminal investigations
Good Samaritan Acts
Disciplinaries

Do GPs need run-off medical indemnity cover?

Yes. The state-backed scheme is not going to provide run-off cover and to ensure your GPs are fully protected, those with a claims-paid or claims-made indemnity policy will need to purchase cover separately themselves should they decide to move to the state-backed scheme.

Ensure your medical indemnity cover meets GMC regulations

Your GPs will need to ensure that when purchasing a medical indemnity policy on a reduced cover basis that they make themselves fully aware of the terms under which it is being offered, taking into consideration how they will cover themselves after the period of cover has expired and the cost of run-off cover.

It is essential GPs have the appropriate medical indemnity cover in line with the GMC professional regulatory requirements to enable them to practice.

New Medical Indemnity Plus insurance from Everywhen

In response to the limitations of the state-backed medical indemnity insurance policy, we are launching Medical Indemnity Plus, which will provide claims-made protection for your GPs with cover for:

Professional duties whilst attending a Good Samaritan Act
Legal expenses

For more details of what is covered by our medical indemnity insurance and the exclusions, please call our specialist advisers on 0330 123 5140 who will be happy to help you.

Carolyn Baker-Mellor

Care Insurance Director and Client Services Leader

Carolyn is a respected industry leader with over 35 years' experience within the care insurance sector. She works across a wide spectrum of insurance product and policy development, delivery and optimisation for care industry clients, including managing global corporate accounts, working closely with trade associations, and helping clients in protecting their businesses and personal assets. Her areas of expertise within the sector include care homes, nurseries, domiciliary care, hospices and charities.

Carolyn currently works at Everywhen as Head of Care Insurance. Everywhen combines regional care with national reach, deep sector knowledge and strong insurer relationships to deliver tailored solutions across 55+ schemes. We help our clients navigate everyday and emerging risks with confidence, always and at all times.

She previously worked for 10 years at Aon as a Director, Client Services Leader and Assistant Director for claims.

Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems, we recommend that professional advice be sought.