Premium Medical Protection - Cover that works for you

Indication of Premium












Calculating Indicated Annual Premium

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Your Indicated Annual Premium Price

Claims Made (per year)

£00.00

Occurrence (per year)

£00.00

for cover of up to £10 Million Limit of Liability

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Medical Indemnity that works for you

“Several years ago the professional indemnity society that I had subscribed to for decades increased my annual premium four-fold. When I probed the reasons for this, I was told it was because I treated some of my patients with botulinum toxin. That society had a category for doctors who administered botulinum toxin and/or dermal fillers and apparently many general practitioners wanted indemnity for both these procedures. At this point I decided I no longer wished to be represented by a society that could not distinguish the very significant differences between the risks of botulinum toxin and the risks of dermal fillers and that wished me to pay a premium so that they could indemnify general practitioners to undertake these procedures. I spoke with my Consultant colleagues who recommended Premium Medical Protection.

Having been a loyal customer of PMP for 7 years now, I am delighted with the quality of their contractual occurrence product. It offers me immense reassurance, knowing that should the need arise, I can rely on their unwavering support, now and into my pending retirement. I would full heartedly recommend PMP and the policy they provide.”

Consultant Dermatologist

Claims made

The policy limit covers claims made in each policy year. You are also covered for any claims arising out of circumstances a situation or event from which a claim may arise. you have notified to your insurer during the policy period. The cover extends back to your ‘retroactive date Every claims made policy should include a retroactive date. This is the date from which you are covered for claims arising from work performed after such date and made in the policy period.‘ which is usually the date your first claims made insurance policy started.

You will be provided with an annual limit of indemnity (LOI)The maximum amount the insurer will pay under a policy during the policy period. which applies for claims that arise from treatment undertaken after your retroactive date Every claims made policy should include a retroactive date. This is the date from which you are covered for claims arising from work performed after such date and made in the policy period. until the expiry of your active policy.

PMP Policies:

  • All PMP claims made policies include free run-off cover for an unlimited period from the point that you permanently cease practising (subject to policy terms and conditions).
  • If you switch to PMP from another claims made policy, PMP will provide you with the same retroactive date as your expiring policy.

Claims made example

An example timeline of how claims made policies work
An example timeline of how claims made policies work

In this example, the insured is covered by a claims made policy with a retroactive date of January 2021. The treatment in question is carried out in 2022 and a potential claim or circumstance is reported to the insurer in 2023. The 2023 policy will respond to this and should a formal claim be filed years later this 2023 policy will still respond.

Occurrence

With an occurrence policy, cover stays in place for treatment provided during that specific policy period – it does not matter when the claim is made against you. This means that when you stop practising, you’re covered for any claims that arise from treatment provided during that specific policy period, subject to policy terms and conditions. Therefore, with an occurrence policy there is no need for run-off cover.

Occurrence example

An example timeline of how occurrence policies work
An example timeline of how occurrence policies work

In this example, the insured is covered by an occurrence policy. The treatment in question is carried out in 2022 and
a claim is reported to the insurer in 2023. The 2022 policy will respond to this.

Premium Medical Protection Limited. is an appointed representative of Harley Street Insurance Group Limited, which is authorised and regulated by the Financial Conduct Authority FRN 570717. Registered in England and Wales, Company Registration Number: 07098260. Registered Office: 25 Athena Court, Athena Drive, Tachbrook Park, Warwick, England, CV34 6RT. Insurance is underwritten by Berkshire Hathaway International Insurance Limited, trading as MedPro, which is authorised and regulated by the Prudential Regulation Authority and regulated by the Financial Conduct Authority FRN 202967.