How it is different across the nations
All GP trainees placed in GP settings in England, Scotland and Wales will automatically be covered for clinical negligence liabilities through the relevant NHS indemnity scheme. No payments are required to benefit from this indemnity.
GP trainees in Northern Ireland will need to maintain membership of a recognised MOD (medical defence organisation) to cover their clinical negligence liabilities. Initially this will be at your own expense but full reimbursement of the cost of basic medical defence cover can be claimed from NIMDTA (Northern Ireland Medical and Dental Training Agency).
GP trainees in Scotland, Wales and Northern Ireland are also strongly advised to hold comprehensive personal indemnity cover from a MDO.
For GP trainees in England, comprehensive personal indemnity cover for all GP trainees will be funded by HEE (Health Education England) until qualification. Where a trainee’s personal protection is currently provided by a medical defence organisation through a bulk indemnity agreement, this will continue.
Trainees who have purchased their own professional cover should continue to seek full reimbursement until such times as a future bulk-indemnity agreement is arranged by HEE.
How GP trainees in England are covered
- When in hospital placements, clinical negligence indemnity cover is automatically provided through the trust’s membership of the CNST (Clinical Negligence Scheme for Trusts).
- When in GP practice placements, clinical negligence indemnity cover is automatically provided through the state-backed GP indemnity scheme, the CNSGP (clinical negligence scheme for general practice).
- When you are doing your placement in both a GP practice and a hospital, additional professional cover is provided by HEE. This is either through a HEE arranged bulk indemnity agreement or personally sourced by the trainee and then reimbursed by HEE.
- All indemnity cover is occurrence based, so run-off cover is unnecessary.
What else it includes
- Disputes with your practice, employer or the GMC is provided through the professional cover provided or funded by HEE.
- Out of hours work undertaken as part of your training.
- Private work under the supervision of your clinical supervisor or educational supervisor, such as completion of insurance medical forms or cremation forms.
What is not covered
If any private work outside of training such as sports medicine or aesthetic or cosmetic work, you should explore the need to arrange your own indemnity.
You may be covered up to a certain value of work depending on the indemnifier providing the HEE cover in your area.