What is Medical Negligence Insurance? | Our Guide

What is Medical Negligence Insurance?

Medical Negligence Insurance Explained

Medical Negligence is when a medical professional makes a mistake or fails in their duty of care for a patient, which in turn could lead to further injury or will make the already existing injury or illness worse. There are a number of ways medical negligence can happen, a few examples are incorrect aesthetic treatment, surgical mistakes or a misdiagnosis. 

Medical Negligence Insurance For Your Business

At Enhance Insurance we help protect your business by providing you with specialist advice on risk management. We will then provide advice on how you can reduce the risks that could lead to someone making a claim against you before they happen. 

We work with private and NHS services with a wealth of experience in the Cosmetic Insurance industry. For dentists to doctors and pharmacists to nurses, our team is here to support you and your business to mitigate risk and provide support during any claims

Medical Negligence Insurance For Individual Practitioners

Enhance Insurance also provides tailored medical negligence insurance specifically for medical practitioners working in both the NHS and independent sectors. We can work with you to create a policy which is tailored to your individual practise profile, giving you complete peace of mind. 

Time Limits For Making A Medical Negligence Insurance Claim

Anyone making a medical negligence claim will need to start the claim within three years of finding out there is an issue. The reason for this is because the person making the claim may not realise straight away, they may notice only after the illness or injury gets worse. There are a few exceptions, however:  

Mental Capacity – There is no time limit for making a claim if the person lacks the capacity to make the medical negligence claim themselves. 

Children – Medical Negligence Insurance involving a child can be made any time before the child turns 18. Once the child turns 18 the three-year rule will start, meaning the claim will need to be made before they turn 21. 

If you would like more information regarding medical negligence insurance and the limits around people making claims against your practice then please speak with a member of the Enhance team who will be happy to help.

Examples of Claims That Can Be Covered By Medical Negligence Insurance

  • Negligent monitoring 
  • Negligent reporting 
  • Lack of administration of medicine 
  • Incorrect administration of medicine 
  • Negligent treatment 
  • Breach of professional duty 

Enhance Insurance For Your Medical Negligence Insurance 

The team at Enhance Insurance have 30+ years of experience handling medical claims and understand that the health sector is continuously changing and we are constantly adapting to keep up to date with these changes. For a free quote about your medical negligence please give us a call and one of the team will get back to you as soon as possible.

0800 980 3776
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