Specialist Trainee Surgeons Medical Malpractice
What is this Key Facts document?
This is a summary of the cover provided by the Specialist Trainee Surgeons Medical Malpractice Policy. It does not include the full Policy terms and conditions, for full details you should consult your Policy document.
The Insurer
This Policy is a legal contract of insurance underwritten by CFC Underwriting Limited on behalf of certain Underwriters at Lloyd’s.
Significant Features & Benefits
A comprehensive package Policy designed to meet the insurance needs of UK-based Trainee ophthalmologists including:
- A 24 hour medico legal helpline operated by specialists providing:
- Clinical assistance and support
- Assistance with complaints and claims notification
- Medical malpractice cover for clinical negligence
- The cost of a public relations firm to protect your professional reputation
- Court attendance costs providing a daily monetary allowance to attend court
- Worldwide cover for Good Samaritans acts
- Public liability cover for injury to people at your workplace
- Cyber liability cover for cyber events (e.g. hacking attack or a virus), security breaches, identity theft, breach of data, computer damage and any financial loss incurred as a direct result
- Legal defense costs:
- to defend clinical negligence allegations
- for GMC complaints or disciplinary hearings from private activities
- for GMC complaints or disciplinary hearings from NHS activities
- for inquests
- for criminal proceedings, including sexual misconduct and PACE interviews
- for employment disputes, tax investigations, contractual disputes, health and safety at work and property disputes
- for regulatory investigations stemming from security breaches
Significant and Unusual Exclusions
Whilst we try to offer the broadest cover possible, we do not provide cover for certain situations. It is important to read the policy in full, however, a summary of the significant and unusual exclusions that appear in the Policy are listed below.
- any medical and clinical professional services performed by you, which were not directly supervised by any member of AOOSIS, other than any aesthetic procedures declared to us in your application form
- any claim made against you by any member of AOOSIS
- any matter known by you which you don’t tell us about before we agree to cover you
- any injury to your employees
- euthanasia or assisted suicide
- your failure to register with a statutory regulator
- you being under the influence of intoxicants or narcotics at the time you treated a patient or client. This does not apply to the criminal proceedings cover
- your ownership of a medical institution
- that part of any claim where another practitioner has provided clinical activities or services
- you selling, supplying or distributing products
- any clinical activities or services performed, or cyber events or security breaches occurring, before the retroactive date (which is stated in the Policy Schedule)
- any demand for a refund by a patient or client
- any disease transmitted by you
- any appeal following a first instance judgment in your favour from a review board or committee
Conditions
You must maintain all records in accordance with any statutory, regulatory or clinical guidelines relating to the provision of your medical and clinical professional services.
Right of Cancellation
There is no cooling off period under this Policy but it may be cancelled at any time with 30 days written notice by either you or us.
