Bespoke Medical Indemnity for Clinicians in Private Practice

On the rare occasions when things go wrong, it is vitally important that you have indemnity cover you can rely on when you need it most. Contractual indemnity insurance is a legal contract that ensures that support is always there, underwritten by CFC Underwriting Limited who are authorised and regulated by the Financial Conduct Authority.

The UK indemnity market is dominated by three large mutuals, known as Medical Defence Organisations (MDOs), each of which was founded over a century ago.

Between them they indemnify over 80% of consultants in private practice, and whilst they have served the profession well in the past, their mutual members’ club approach is considered by many to be outdated and no longer fit for purpose.

Indeed, the sector is awaiting a response to a Government consultation which asked whether fundamental reform of medical indemnity is required.

Recognising that the discretionary cover offered by the MDOs is both expensive and often inadequate, we have partnered with the one of the world’s largest insurance brokers to offer a group insurance scheme that will provide our clinicians with, not only substantial savings when compared to the traditional medical defence organisations but also a higher standard of medical indemnity cover.

Contractual Insurance provides the certainty and flexibility you need as you build a successful private practice.

Features & Benefits

15 Reasons to use Medmin Insure for your Medical Indemnity:

  1. Typical premium savings of up to 30% on current MDO rates
  2. “Good Samaritans Act” worldwide cover is included, giving you confidence when you travel
  3. Transparency,  from day one you know what is (and isn’t) covered.
  4. Run-off is provided in case of death, retirement or permanent cessation of private practice, a consultant’s family and their estate is protected continually for at least 21 years , providing security and confidence when you and your family may need it most.
  5. An Indemnity of £10m is offered as standard
  6. Individual bespoke underwriting tailored to your activities and procedures
  7. We have  history of working with Private Consultants for more than a decade
  1. Typically we offer a zero excess policy, any costs are ours from day one.
  2. Cover for temporary overseas work is available  giving you the  confidence to know we support you when you travel
  3. Cover for GMC matters, both clinical and nonclinical
  4. Public Liability is included as standard,  remember not all claims are clinical
  5. Medico-Legal/Advisory Work is also covered
  6. A 24/7 Helpline provides advice and assistance at any hour.
  7. Our service is regulated by the FCA and supported by the Financial Services Compensation Scheme offering you security that our business has backing for all eventualities.
  8. We provide  backdated cover, giving you the freedom and security to move your indemnity cover to Medminsure

Comparison table

The indemnity offerings from the MDU, MPS and MDDUS are all unique, but we have
sought to highlight the key elements in the comparison table below.

* For further details of terms and conditions please refer to the Medmin Insure policy wording.


Medmin Insure cover features Medmin Insure MDU MPS/MDDUS
1. Legal contract of cover*
1a. Clinical Negligence claims up to £10,000,000 tick-small Discretionary Discretionary
1b. Defence Cost in respect of GMC complaints and disciplinary hearings tick-small Discretionary Discretionary
1c. Contractual Indemnity tick-small Discretionary Discretionary
1d. Worldwide Good Samaritan Acts tick-small Discretionary Discretionary
1e. Run Off cover in the event of death, disablement and permanent retirement tick-small Discretionary Discretionary
1f. Cover for Medico-Legal reports and Review Board Advice tick-small Discretionary Discretionary
1g. Cover for Public Liability insurance tick-small
1h. Protection of Reputation arising from adverse press, publicity or media attention tick-small Discretionary Discretionary
2. 24 Hour Medico-Legal Helpline tick-small
3. Regulated by FCA, supported by Financial Services Compensation Scheme, access to a Financial Ombudsman and third party right against insurers tick-small Partial
4. Individual bespoke underwriting specifically tailored to activities and procedures tick-small
5. Independent, impartial and expert advice for individual circumstances that legally requires the adviser to treat consultants fairly with access to alternative insurers tick-small
6. Expert, impartial advice on Partnerships and Limited Companies and the ability to offer bespoke solutions tick-small
7. Access to multiple underwriters tick-small
8. Cyber Insurance – Medmin Insure tick-small

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