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Consultant Doctor Insurance
Consultant doctors navigate the complexities of modern healthcare with skill and precision, making critical decisions that shape lives every day. But the weight of such responsibility brings unique challenges, from legal risks to unexpected incidents. At Jensten, our consultant doctor insurance is designed to safeguard your career, reputation, and practice, allowing you to focus on what truly matters: confidently delivering life-changing care.
Why Do Consultant Doctors Need Medical Malpractice Insurance?
Consultant doctors, whether working within the NHS or in private practice, are exposed to a variety of risks in their day-to-day work. While the NHS provides indemnity cover for work carried out under NHS contracts, this protection may not extend to all aspects of a consultant’s practice, particularly private work or additional responsibilities.
Medical Malpractice Insurance, also known as professional indemnity insurance for doctors, is necessary for several reasons:
- Legal protection – It can shield you against claims of negligence or malpractice, covering legal costs and potential compensation payments.
- Professional requirement – The General Medical Council (GMC) mandates that all doctors practising in the UK have appropriate indemnity or insurance in place.
- Peace of mind – Knowing you’re protected allows you to focus on patient care without the constant worry of potential legal issues.
- Extensive cover – It can cover areas that NHS indemnity might not, such as private practice, medico-legal work, or Good Samaritan acts.
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What does Consultant Doctor Insurance cover?
Our medical malpractice insurance policies can provide extensive cover for consultant doctors. While specific cover can be tailored to individual needs, typical policies include:
- Protection against allegations of medical negligence resulting in patient injury or harm.
- Cover for legal expenses incurred in defending against claims.
- If found liable, the policy will cover compensation awarded to the Doctor‘s patients.
- Access to expert advice and support for handling potential claims or complaints.
It’s important to note that the scope of your indemnity protection can vary depending on your specific policy. Jensten works closely with you to ensure your cover meets your practice needs.
Why use Jensten
Dedicated
A dedicated team to Health and Beauty professionals
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We are the trusted broker to Health and Beauty clients.
Flexibility
Tailored insurance to the needs of your business
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Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.
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What Are the Common Exclusions or Limitations in Medical Malpractice Insurance Policies for Consultant Doctors?
While medical malpractice insurance can provide extensive protection, there are certain exclusions and limitations that consultant doctors should be aware of:
- Intentional criminal acts or fraud are typically not covered.
- Claims arising from circumstances known to the doctor before the policy inception are usually excluded.
- Liabilities assumed under contract may not be covered unless specifically agreed upon.
- Some policies may exclude or limit cover for certain cosmetic or elective procedures.
- Cover may be restricted to practice within the UK unless otherwise specified.
- There may be an excess payable on claims, which varies between policies.
Thoroughly review your policy and discuss any concerns with our specialist team at Jensten. We can help you understand the full scope of your cover and identify any potential gaps in protection.
How Can Jensten Help? What is Our Role?
Expert Guidance
Our specialist team has in-depth knowledge of the healthcare sector and can provide tailored advice on your insurance needs.
Extensive Cover
We offer a range of insurance products designed specifically for healthcare professionals, including:
- Medical Malpractice Insurance
- Aesthetic Insurance
- Clinic Insurance
- Doctors Insurance
Tailored Premiums
We work with leading insurers to secure the lowest rates we can without compromising on cover.
Claims Support
In the event of a claim, our dedicated team will guide you through the process, providing support and advice every step of the way.
Ongoing Support
As your practice grows, we review and adjust your cover to ensure it can meet your needs.
Our role is to provide you with peace of mind, allowing you to focus on what you do best – providing excellent patient care. We’re authorised and regulated by the Financial Conduct Authority, so you can trust in our professionalism and expertise.
For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.
Need Consultant Doctor Insurance?
For comprehensive Consultant Doctor Insurance
Consultant Doctor Insurance
For consultant doctors, having the right insurance is not just a regulatory requirement – it’s a crucial aspect of protecting their careers and peace of mind. Medical Malpractice Insurance. To help you do that, here is our Consultant Doctor Insurance frequently asked questions. We hope they are of use, but if you’d like some independent advice, please call us on 0190 395 3500, and the team will be happy to help.
Can Medical Malpractice Insurance be Tailored to Specific Practice Needs or Specialties?
Absolutely. We know every consultant doctor’s practice is unique. That’s why we offer bespoke insurance solutions that can be tailored to your specific speciality, practice setting, and individual requirements.
Our tailored medical indemnity policies can accommodate:
- Different medical specialities – Whether you’re a surgeon, anaesthetist, radiologist, or any other specialist, we can adjust cover to suit your field.
- Private practice – Additional cover for work conducted outside the NHS.
- Locum work – Flexible policies for doctors working in temporary positions.
We understand that your practice may evolve over time. Our flexible policies can be adjusted as your needs change, ensuring you always have the right level of protection.
Do I need separate insurance if I work for both the NHS and in private practice?
Yes, it’s advisable to have separate insurance for your private practice. While NHS indemnity covers work done under NHS contracts, it doesn’t extend to private work. Jensten can provide a policy that complements your NHS cover and protects your private practice.
How often should I review my medical malpractice insurance?
We recommend reviewing your insurance annually or whenever there’s a significant change in your practice. This could include starting private work, changing specialities, or taking on new responsibilities. Regular reviews ensure your cover remains adequate for your current situation.
What happens if a claim is made against me after I've retired?
This depends on your policy type. Some policies offer ‘run-off’ cover, which protects you against claims made after you’ve ceased practising. We can advise on the best options for long-term protection, including post-retirement cover.
