Offering multiple treatments at once means practitioners need appropriate insurance protection. Combination treatments come with their own set of risks, different from standard procedures. Enhance Insurance can offer the wide-ranging cover you need to practice confidently in the UK.
What Are Combination Treatments?
Combination treatments use two or more procedures together or one after another. They’ve become popular in aesthetic treatments and medicine because they often work better than single treatments.
In the aesthetics world, practitioners might combine dermal fillers with botulinum toxin, or use lasers alongside chemical peels. These methods help address several issues at once, which can give better and longer-lasting results.
The medical field also uses combination treatments for many conditions:
- Cancer treatment, where multiple drugs work together
- Skin conditions that need several approaches
- Pain management using different medicines and therapies
- Aesthetic treatments that blend different methods for better results
While these combined approaches often give better outcomes, they also bring extra risks that need appropriate insurance.
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Why Do You Need Specialised Insurance for Combination Treatments?
When you offer multiple treatments together, the risks change. Standard insurance might not cover everything you need. Different treatments can sometimes interact in unexpected ways. For example, mixing a drug therapy with a device-based treatment might cause reactions similar to those watched for in clinical trials of new drug combinations.
Enhance Insurance knows that if you work with combination therapies, your insurance needs to cover:
- The higher risks of using multiple treatments together
- Possible interactions between different treatments
- The extra skill needed to perform these treatments safely
- The more detailed consent forms that patients need to sign
Without the right insurance, you might not be fully covered if something goes wrong during a combination treatment.
What Risks Come with Combination Therapies?
Combination treatments bring several unique risks you should know about when choosing insurance. Here are a few of them as examples:
- More Chance of Side Effects – Using multiple treatments together raises the risk of unexpected side effects. For example, clients may experience more swelling or unusual tissue reactions when different products or energies are used together.
- Hard to Tell What Caused a Problem – If something goes wrong, it can be challenging to determine which part of the treatment caused it. This makes claims harder to defend without specialised insurance that understands these issues.
- Longer Treatment Processes – Many combination treatments involve multiple steps. Each step has its own risks, and longer treatment times may increase the chance of problems.
- Training Requirements – Practitioners need specific training in how different treatments work together. Without it, mistakes are more likely. Our arranged policies can be adjusted based on your training and experience with specific combination approaches.
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What Cover Can Combination Treatments Insurance Provide?
Combination treatments insurance is designed for professionals who offer a range of aesthetic treatments. Cover may include:
Medical Malpractice Insurance
Medical malpractice insurance can help protect you if a client alleges negligence, injury, or dissatisfaction with the results of treatments. Whether you’re performing chemical peels, laser treatments, or injectables, this cover can shield your business from costly claims.
Public Liability Insurance
Public liability can cover you if someone is injured or their property is damaged while on your premises. This includes incidents not directly linked to treatments. For example, slipping on a wet floor or a damaged handbag.
Legal Defence Costs
If a claim is made against you, legal expenses cover can help with the cost of defending yourself, even if the claim proves to be unfounded. It gives you access to legal support without the financial strain.
Products Liability Insurance
This cover protects you if a client has a reaction to a product you use or retail. For example, massage oils, wax, skincare products, or cosmetic tools.
We’ll take the time to understand the full range of treatments you offer and tailor the insurance to suit your practice. This way, you can focus on your clients with confidence.
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Who Needs Combination Treatments Insurance?
Our arranged combination treatments insurance is especially useful for:
- Beauty practitioners offering multiple facial treatments
- Medical professionals doing research with combination therapies
- Clinics that focus on integrated treatment approaches
- Skin specialists using both drugs and devices
- Doctors who combine medicines with procedures
- Specialists dealing with treatment resistance through combined approaches
- Those who teach combination treatment methods
These practitioners need more than standard medical cover. They need policies that understand the unique risks of combination treatments.
Protect Your Practice with the Right Cover
Combination treatments offer clients better outcomes but also add complexity and risk. That’s why specialised insurance is essential.
We understand that no two practices are the same. Our portal can create a tailored policy that reflects the treatments you offer, your level of training, and the specific risks you face. Whether you’re an aesthetic practitioner, clinic owner, or medical professional, we’re here to help you confidently protect your business.
Get in touch with our friendly team if you have any questions or get a quote in minutes online.
Will my regular malpractice insurance cover combination treatments?
Regular medical malpractice insurance might cover some aspects of combination treatments, but often has gaps or limits. Many standard policies have exclusions that could leave you vulnerable when performing complex combined procedures. The specialised policies we can offer can fill these gaps.
Do I need to list every treatment I offer to get covered?
Yes, providing a full list of the treatments you offer is important, especially the ones you combine. This helps ensure your policy reflects the actual risks involved and gives you the right level of protection. Our portal can guide you through this process to make it as simple as possible.
What if I start offering a new combination of treatments later?
If your services change or expand, you can update your policy at any time online. If unsure, just contact our team. We’ll review your cover and make any necessary adjustments to keep you protected.
