Medical Defence, via insurance or immunity, can be important for international doctors.
As an overseas doctor there are many things to consider when setting up your new life in the UK, one of which is your medical defence and whether to pay for additional cover. In this article we will help explain medical defence, considering the following topics:
Unfortunately, human error is unavoidable and covering yourself against any claim is vital to the continuation of your career as a UK doctor. Appropriate medical defence will provide support for clinical negligence claims made against you whilst working in the UK.
It is a GMC requirement to have adequate or appropriate insurance in place to cover the full scope of your practice in the UK.
Your NHS Trust will provide you indemnity for the work you are assigned as part of your contract, and you are not legally obliged to take out separate indemnity.
However, your NHS Trust indemnity will cover the bare minimum and any extra work you do outside of the specific list of duties in your contract is not covered.
In addition, your Trust indemnity will not cover you for complaints made against you specifically. This includes Trust disciplinary hearings, GMC hearings, criminal investigations, coroner inquests or any private work you undertake.
In summary, it is strongly advisable to take out separate indemnity to cover you against all eventualities as a doctor.
There are two types of medical defence:
Indemnity works on the basis that the claim is covered as long as the cover was in place at the time the incident occurred.
Insurance only covers you whilst the policy is in place and/or for a defined period after – called the ‘run off’ period.
With the nature of work many doctors prefer indemnity over insurance, as claims can arise years after the event. This rings particularly true in cases involving children where 10+ years can pass before a claim is made.
There are three major Medical Defence Organisations (MDOs) who provide indemnity cover, not insurance. All of them are not-for-profit organisations rather than commercial companies and these are:
The benefits of membership of the MDOs differ, it is important that you consider each one carefully before making a choice.
Anyone you speak to will strongly advise a doctor working in the UK to take out separate indemnity insurance. This is vital to ensure you are covered at any point you actively practiced as a doctor in the UK. For avoidance of doubt, consider the significance of the risks for not doing so.
We would suggest treating your defence cover as if it were any other utility or provider, and shop around to make sure you get the most comprehensive package at the best value for money.
At IMG Connect we are not legal advisors and we want to make clear that we are offering our advice based on conversations with the GMC and any doctors we have worked with. We strongly advise you to seek a professional opinion to form the basis of your decision.
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An NHS district general hospital in the West Midlands is looking for a Specialist Grade Haematologist with an interest in haemato-oncology, laboratory haematology and blood transfusion. The Haematology department comprises a team of 3 consultants and is supported by a large team of middle grade doctors. This Haematology job is open to both international applications and UK-based doctors, though those with European Specialist or FRCPath (or equivalent) are most encouraged to apply.
Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.
JOB REQUIREMENTS AND DETAILS
FRCPath (or equivalent) and broad experience in clinical and laboratory haematology are required for this role, and anyone with an interest in clinical trials, haemato-oncology, education, or blood transfusion should apply. The salary will be between £96,990 to £107,155 dependent on experience or grade.
CORE DUTIES OF THIS ROLE
Provide clinical support in both inpatient and outpatient settings, working closely with consultants and the multidisciplinary team.
Participate in the delivery of chemotherapy and specialist care via the dedicated oncology/haematology unit.
Contribute to clinical governance, teaching of junior doctors and nurse practitioners, and development of service pathways.
Assist with laboratory haematology duties including blood film reporting, and advise on transfusion and diagnostic services.
LIFE IN THE WEST MIDLANDS
This hospital is located in a picturesque region of the West Midlands, with access to both rural retreats and small city living. Residents enjoy a mix of traditional market towns and vibrant city centres, with good schools, easy rail access to Birmingham, and plenty of green spaces for outdoor activities. The area has deep historical roots, from medieval cathedrals to Roman forts, offering a unique combination of heritage and modern living.
HOW WILL IMG CONNECT SUPPORT YOU?
When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:
CV Preparation with a bespoke session with one of our specialists
Application support with expert knowledge of NHS specialisms & recruitment practice
At least two video calling interview preparation sessions
Contract and offer negotiations for salary, relocation packages, tenure and more
Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:
Document gathering and checking COS and Visa Application support if applicable
Support sourcing short- and long-term accommodation
Travel Arrangements Family support for finding schools and any other aspects of pastoral care
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Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.
GMC registration with a license to practice, CESR, or a GMC-recognised qualification such as FRCR is required for this role. Anyone with an interest in Upper and Lower GI cancer should apply. The salary will be between £105,504 – £139,882 dependent on experience.
Provide expert oncology care for patients diagnosed with Upper and Lower GI cancers, overseeing treatment plans and managing patient care.
Participate in multidisciplinary team (MDT) meetings across sites to coordinate treatment.
Contribute to research and clinical trials within the Oncology department, promoting innovation in GI cancer treatment.
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CV Preparation with a bespoke session with one of our specialists
Application support with expert knowledge of NHS specialisms & recruitment practice
At least two video calling interview preparation sessions
Contract and offer negotiations for salary, relocation packages, tenure, and more
Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting your new role including:
Document gathering and checking
COS and Visa Application support if applicable
Support sourcing short- and long-term accommodation
Travel arrangements
Family support for finding schools and any other aspects of pastoral care
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Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.
JOB REQUIREMENTS AND DETAILS
Full GMC registration and significant experience in general dermatology and minor surgery, are required for this role. Anyone with an interest in skin cancer management and dermatological surgery should apply. The salary will be between £109,725 and £145,478 dependent on experience or grade.
CORE DUTIES OF THIS ROLE
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HOW WILL IMG CONNECT SUPPORT YOU?
When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:
Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:
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Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.
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Manage patients with Upper GI and Breast cancers across inpatient and outpatient settings.
Engage in tumour site-specific MDTs and contribute to treatment planning and decision-making.
Support the training and mentoring of oncology registrars and junior doctors.
Contribute to service development, teaching, and clinical governance.
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CV Preparation with a bespoke session with one of our specialists
Application support with expert knowledge of NHS specialisms & recruitment practice
At least two video calling interview preparation sessions
Contract and offer negotiations for salary, relocation packages, tenure and more
Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:
Document gathering and checking
COS and Visa Application support if applicable
Support sourcing short- and long-term accommodation
Travel Arrangements
Family support for finding schools and any other aspects of pastoral care