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.
Search and find live NHS doctor jobs in the UK
In our IMG Resources library you can read more useful articles on finding an NHS trust doctor job, pay scales & doctor’s salary in the UK, relocation and much more!
Get in touch using the buttons above (and below) to discuss doctor job opportunities in the NHS, including discussions regarding a typical doctor salary in the UK and the most suitable hospital locations for you.
For regular news and updates, follow IMG Connect on social media using the links below:
A hospital in the Channel Islands is looking for a Staff Grade Doctor in General Medicine with interests in Respiratory, Renal, or Care of the Elderly. The department comprises a team of consultants and is supported by a large team of middle-grade doctors. This role is open to both international applications and UK-based doctors, though those with European Specialist or MRCP qualifications 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
Full registration with the General Medical Council and a minimum of 2 years of post-qualifying experience are required for this role, and anyone with an interest in Respiratory, Renal, or Care of the Elderly should apply. The salary will be between £58,742 and £97,050 dependent on experience or grade.
CORE DUTIES OF THIS ROLE
LIFE IN THE CHANNEL ISLANDS
The hospital is located in a vibrant town, with popular residential areas offering both urban and rural living options. The region offers excellent schools, efficient transport links, and a wide range of leisure activities for both adults and families, including beautiful beaches, sports facilities, and cultural events. The area has a rich history, having been a strategic location during World War II and now boasting a unique blend of cultural influences.
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:
A UK-based mental health service is seeking a Consultant Child & Adolescent Psychiatrist to join their Neurodevelopmental Team. This is a part-time (0.8 FTE), permanent post, offering an exciting opportunity to take on a senior clinical leadership role within a well-established specialist service for children and adolescents with complex neurodevelopmental conditions.
The team operates within a multidisciplinary framework, delivering comprehensive assessments, pharmacological treatment, and evidence-based care for young people. The role is ideal for experienced consultants looking to shape service delivery while maintaining strong clinical involvement.
This opportunity is also open to international applicants, particularly those eligible for inclusion on the GMC Specialist Register and who will be applying via CESR.
Job Title: Consultant Child & Adolescent Psychiatrist – Neurodevelopmental Team
Contract: 8 Programmed Activities (PAs) per week – Part-Time
Applicants must have:
This role is based in a well-connected and scenic part of the UK, ideal for those who enjoy a balance between urban accessibility and countryside living. With excellent road and rail links, London is just 1 hour by train and car, offering easy commuting and travel.
The area is highly attractive for families, with access to top-rated schools, green open spaces, and a vibrant local community. Whether you\'re seeking historic towns, cultural attractions, or tranquil rural retreats, this region offers something for everyone.
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 be supported by one of our dedicated relocation executives, who will guide you through the process, including:
An NHS teaching hospital in Kent is looking for a Consultant in Clinical Oncology with an interest in urology. The Oncology department comprises a team of over 40 Clinical and Medical Oncology consultants and is supported by a large team of middle-grade doctors, fellows, and trainees.
Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.
This Clinical Oncology job is open to both international applications and UK-based doctors, though those with European Specialist qualifications or FRCR are most encouraged to apply.CCT in Clinical Oncology or equivalent experience, including CESR pathway candidates.
The salary will be between £105,504 and £139,882 dependent on experience or grade.
Provide high-quality specialist care to melanoma patients attending the Kent Oncology Centre.
Attend relevant MDT meetings and coordinate treatment planning with other specialists.
Participate in departmental research initiatives and contribute to national and local clinical trials.
Contribute to training and supervision of junior doctors and participate in clinical governance activities.
The area offers the best of both worlds: urban living in towns like Maidstone and Tunbridge Wells, and tranquil countryside villages such as Lenham or Goudhurst.
Kent boasts a wide range of excellent primary and secondary schools, including several grammar schools, and is well connected to London via high-speed rail and road. Residents enjoy easy access to historic castles, the coast, national parks, shopping, and outdoor activities—perfect for both adults and families.
Known as the “Garden of England,” Kent holds historical significance with its Roman heritage, medieval cathedrals, and coastal defense legacy, offering a unique blend of culture and natural beauty.
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 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
An NHS general hospital in Wales is seeking a Locum Consultant in Geriatric Medicine with a special interest in Orthogeriatrics. The department includes a team of 9 consultants and is supported by a large middle grade doctor team. This Geriatric Medicine role welcomes both UK-based and international applicants, especially those holding MRCP(UK) or equivalent qualifications.
Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.
JOB REQUIREMENTS AND DETAILS
Applicants should hold full GMC registration and MRCP, with solid experience in general and geriatric medicine. Subspecialty interest in Geriatric Medicine is desirable
CORE DUTIES OF THIS ROLE
LIFE IN WALES
This role is based in a picturesque Welsh town offering both urban convenience and rural tranquility, with popular residential areas including charming market towns and countryside villages.
The region provides great schooling options, strong transport connections, and plenty of family-friendly leisure activities.
Historically rich, the area features medieval architecture and has played a significant role in Welsh and British history.
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: