How would clinical indemnity insurance work?
In the MDU’s view, it should be mandatory for UK providers of clinical negligence indemnity to provide practitioners with a claims made insurance policy. This would contain minimum terms which would provide adequate safeguards for practitioners and their patients. Dental professionals would benefit from the security of an insurance contract, subject only to the terms of the policy. In addition, the insurers would be regulated by the Financial Services Authority (in terms of the product offered, overseeing issues such as the solvency requirements for the insurance company and the general conduct of business) and the practitioner would have recourse to the Financial Ombudsman Service for any complaints about the policy and, as the final arbiter, to the courts. What if dentists retire or leave their position? It should be mandatory for practitioners to purchase and insurers to provide, a run-off policy to ensure that they and their estates are covered on retirement, disability or death, u
