Medical Malpractice insurance, otherwise known as MedMal Insurance is a specialist form of insurance cover that protects individual healthcare professionals, clinics, and organisations against claims of negligence.
Such claims may arise from issues including, but not limited to, misdiagnosis, incorrect or unneeded treatment or errors during treatment or surgery.
With the rapid advancements in medical treatments and procedures, even the most experienced professionals may face allegations of negligence. These claims can result in substantial costs such as legal expenses, compensation payments and in the long term, reputational damage. MedMal Insurance provides essential protection by covering these costs subject to the policy terms and conditions. For this reason, it is critical for both individuals and businesses to have the correct level of cover while still securing a competitive premium.
Like Professional Indemnity Insurance, MedMal Policies are written on a claims-made basis, meaning a policy must be in force at the time a claim is made, not when the treatment occurred. As with all other insurances, there will be a limit of indemnity (sometimes with inner limits), non-insured deductibles or excesses and relevant clauses/endorsements. These are supported by a wording that, wherever possible, should be specific to the business.
Unlike Professional indemnity Insurance, the MedMal market is much smaller and more specialised, reflecting the complexity of the risks involved. At Eden, we use our expertise and strong insurer relationships to ensure our clients receive robust, compliant cover at the most competitive price available.
We recommended that any individual or organisation providing medical, clinical, or healthcare services obtains suitable MedMal Insurance.
This list is not exhaustive, please contact us to discuss your business protection needs.
Ambulance Services
Dentists
Doctors
Fertility Clinics
Laser Eye Clinics
Medical Centres
Medical Technicians
Nursing Homes
Sonographers
Surgeons
Acupuncturists
Consellors
First Aiders
Homeopaths
Hypnotherapists
Physiologists
Podiatrists
Reflexologists
Aesthetic Practitioners
Beauty Salons
Cosmetic Clinics
Health Screening Facilities
A member of our team will be in touch with you to discuss your insurance requirements