Medical Defence: Insurance & Indemnity – do I need it?

  • May 13, 2022
 

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:

What is medical defence and do I need it?

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. 

What indemnity will my trust provide me?

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.

Types of Medical Defence:

There are two types of medical defence: 

  • Indemnity 
  • Insurance

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.

Who can I get Medical Defence from?

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.

IMG Connect's advice:

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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A trust in the West Midlands is looking for a Specialist Doctor in Child and Adolescent Mental Health with an interest in community-based care for children and young people. This exciting role supports the a CAMHS team, providing vital services to a diverse population across both urban and rural settings. The multidisciplinary team includes mental health practitioners, psychologists, psychotherapists, social workers, occupational therapists, and administrative support staff.

This opportunity is open to both UK-based and international doctors, with CESR portfolio support available to help progress toward specialist registration.

Job Requirements and Details

Qualifications: Full GMC registration with a license to practice and at least six years of CAMHS experience.
Desirable: Experience working with children and young people in mental health or multidisciplinary settings.
Salary: £96,990 - £107,155 per annum, dependent on experience.

Core Duties of This Role

  • Comprehensive psychiatric assessment, care planning, and evidence-based treatment for children and adolescents.

  • Leadership and consultation within a multidisciplinary team, with opportunities for supervision and teaching.

  • Liaison with professionals in education, paediatrics, social care, and adult mental health services.

  • Contribution to clinical governance, service development, and quality improvement.

  • Participation in clinical audits, peer reviews, and regular MDT meetings.

Life in the West Midlands

The West Midlands offers a blend of vibrant towns and peaceful countryside, giving professionals and families the flexibility to choose a lifestyle that suits them. The region features outstanding schools, excellent transport links (M5, M50, and nearby airports), and a wealth of leisure activities, from historical landmarks to outdoor exploration in areas like the Malvern Hills.

With strong educational institutions and a rich cultural history, the West Midlands supports both personal and professional growth in a balanced and welcoming environment.

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 practices.

  • At least two video calling interview preparation sessions.

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Once you’ve accepted your new role, you’ll be guided by one of our dedicated relocation executives who will assist you all the way to starting your new role, including:

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An NHS district general hospital in the South West of England is looking for a Consultant in Clinical Oncology with an interest in breast and skin cancers. The Clinical Oncology department comprises a team of 11 consultants and is supported by a large team of middle grade doctors and specialist nurses.

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CORE DUTIES OF THIS ROLE

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LIFE IN THE SOUTH WEST

This role is based in a beautiful coastal region in the South West, with access to popular towns and seaside resorts perfect for both urban and rural living. The area features excellent schools, well-connected transport options, and a wide range of outdoor activities from beach days to countryside walks. With its blend of natural beauty and cultural history, the region is a top choice for medical professionals relocating to the UK.

Would you like this packaged into a downloadable file or published in a particular format next?

HOW WILL IMG CONNECT SUPPORT YOU?

  • 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

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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

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FRCR (or equivalent) and extensive oncology experience are required for this role, and anyone with an interest in lung, gynaecology, and/or colorectal cancer should apply. The salary will be between £105,504 and £139,882 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

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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

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Apply now for a dynamic career at the forefront of cancer care, complemented by the vibrant and diverse urban lifestyle offered by the capital city.

AM I ELIGIBLE FOR THIS ROLE?

Non-EEA candidates: 

  • FRCPath
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EEA candidates: 

  • Specialist certification in Histopathology
  • Experience in Histopathology (sub specailised in Gynae oncopathology)

UK candidates: 

  • CCT, CESR or within 6-12 months of specialist registration 
  • Experience in Histopathology (sub specialised in Gynae oncopathology)

 

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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?

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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

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