Covered in
confidence.
Choose the right policy for your practice
Every medical career is different. That is why we offer genuine policy choice.
Claims-made cover
A cost effective solution protecting claims notified during the active policy period, with eligible run-off cover after retirement.*
Occurrence-based cover
Protection for incidents occurring during the insured period, regardless of when a claim is later made.
Both offered contractually
Unlike discretionary models, both options are available on a contractual basis, giving you clarity and confidence.
More than just claims protection
Your policy may include access to:
Medical malpractice
Protection against bodily injury claims arising from clinical services you provide to patients.
Professional indemnity
Protection against bodily injury claims arising from clinical services you provide to patients.
Death, disablement or retirement
Claims-made policies include free, indefinite run-off cover after you stop practising due to death, disablement or permanent retirement.
Public liability
Protection against claims from third parties for injury or property damage occurring on your premises.
Good Samaritan acts
Worldwide protection when providing emergency medical assistance in good faith outside your usual professional setting.
Humanitarian aid
Worldwide cover for medical work undertaken, directly with a recognised humanitarian aid organisation or association, for up to 60 days in each policy period.
Regulatory and Disciplinary Defence Costs
Cover for legal costs associated with regulatory investigations or disciplinary proceedings relating to your professional practice.
Cover for formal tax investigations
Protection for professional fees and costs associated with formal aspect or full enquiry by HM Revenue & Customs relating to your professional medical services.
Coroner’s inquest or fatal accident inquiry representation costs
Cover for legal representation at a Coroner’s Inquest or Fatal Accident Inquiry connected to your professional practice.
Document replacement costs
Cover for the cost of replacing, restoring or reconstructing physical documents that are lost, damaged or destroyed while in your care.
24/7 medico-legal helpline
Round-the-clock access to advice and support from legally qualified healthcare specialists (find full details here).
Cover for work on professional sports people
Protection for clinical services provided to professional sportspeople where no formal contract or agreement exists with a sports club.
Switching from an MDO
Thinking of switching?
Many consultants move to PMP for greater certainty, competitive pricing and a more personal service experience.
Moving from discretionary cover to contractual protection may be simpler than you think.
Our experienced team will guide you through the process, answer your questions and help ensure the right cover is in place.
So you can move forward with confidence.
Pricing and flexibility
Fair pricing built around you
We believe premiums should reflect your real professional circumstances, not a one size fits all model. Our pricing considers factors such as:
Specialty
Scope of practice
Claims history
Workload
Risk profile
This helps deliver fairer long term value for consultants in private practice. With claims made and occurrence options available, your cover can evolve as your career changes.
