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The new indemnity scheme is getting closer and lots of colleagues are getting in touch with questions. The MDOs and the Government are still in discussions to get all the various elements signed off, but there are some key things we can tell you.
1) The headline is: any NHS work you do as a GP will be covered by the state backed indemnity scheme
The small print underneath that is about who is covering you for what role. There will be overlap between the new CNS GP (Clinical Negligence Scheme for GPs) and the existing CNST (Clinical Negligence Scheme for Trusts), but all NHS GP work is covered. NHS Resolutions is the body behind the scheme. The timeline is still the 1st April.
2) “What about if I work as a....?”
Lots of sessional colleagues have portfolio careers, working in several different settings and places. As more information comes through from the CNS GP, their website here should list all the different variants which are covered by the scheme. But we need your help to give NHS Resolution this list, so if you work in any role and haven’t seen it mentioned yet, or can’t see it on their webpages, please get in touch with us via [email protected]. We will clarify which scheme this NHS work falls under and get it added to the list to help other GPs working in the same setting to find the answer.
3) Read any renewal quotes with care
Lots of GPs will be getting letters from their current MDO when their renewal is due. After April, the cost of your indemnity for clinical work should drop significantly; the only cover you will require is personal cover (e.g for GMC hearings and reputational damage, HGV medicals or any other private work). If your renewal quote doesn’t show a significant reduction, go back to your MDO and ask why. Look elsewhere for other quotes, and don’t sign up to a renewal unless you are happy it reflects the reduction in cost.
4) While the BMA has done its part in getting this deal agreed as part of the new GP contract, there are many government departments and MDOs still agreeing the intricate details. We will give you as much information as we can, when we have it, but read the headline again: Any NHS GP work will be covered.
There is further information on the indemnity situation so far here. Please do share this with your colleagues.
Zoe Norris is the chair of the sessional GPs subcommittee
Please could the BMA call out the situation for historical claims ie for NHS work done before 1st April 2019. A significant number of GPs have been insured by The MDU on transitional benefits (claims paid cover). Is run off cover required for these members or is the state backed indemnity scheme covering historical claims for NHS work before 1/4/19? If this hasn’t been negotiated yet either way, please just say so.
Hi zoe, I may email the sessional GP team at bma, but for the moment..... example case of a GP who locums who requires a little bit more clarity on the whole indemnity issue. I am a GP who essentially does not have one particular practice that she works out and as such you could call me a floater GP who locums in various different practices. Even though at the moment I am covered with the mdu when things change on the 1st of April I assume that my indemnity with the mdu will potentially drop although this is yet to be determined. My question is this: for someone who is a floater GP like myself who spits spots at different practices, how will I be able to access any provisions for indemnity if a complaint arises which goes further than expected leading to a payout being required or even not as far as that but just a complaint arises, how will each of these practices that I work at really support me or do I presume that they would contact NHS resolution or whoever it is that they will need to contact to discuss a particular claim that is being made - and then that team at NHS resolution would contact me to let me know that such and such as happening and what's my view on it? Is it just a large centralised type process? It's just this little nitty-gritty aspect that doesn't really make sense to me, how does it work on the ground? What should the practice's role be, do they have a role? Will the practice even get involved? Will the practice be told who they need to contact in the event that their partnered, ssalaried or floater locum GP has a claim made against them? And then they just leave it be, doctor and state indemnity in discussion with each other? I know I'm not explaining this right but this is the best that I can do to try to explain what feels very unclear to me at the moment.
Yes I would like some definitive specific advice about how to ensure indemnity for myself from any claim arising as a result of work done before the 1/4/19. I am with the MDU. If run off is needed, specifically how is this accessed? Also if locum works here and there doing one offs for the NHS i.e. OOH, GP surgery, extended hours, are these all covered? How will the central resolutions service know they are indemnifying me for this and are there any conditions needing to be met by the locum. Also I clicked on that link to see which types of work are covered and I cant see any roles. There seems a lot still unclear considering the imminent introduction.
My understanding is that NHS primary care work is covered if you are a locum - it doesn’t matter if you work here and there. The yardstick for you would be if the regularly working doctors in the service are covered by the state backed indemnity scheme then you too are.
Good idea to get it confirmed in writing for every engagement before crossing the threshold to start work.
We will all need ongoing indemnity cover from a reputable MDO after 1/4/19 to cover things like incidental non NHS work (cremation forms, HGV medicals, private insurance forms/medicals), Coroner’s court invitations, GMC, and the rather terrifying list of other things that can happen to doctors (criminal investigations etc). Crucially this must be on an Occurrence basis (get it in writing at every renewal). Nobody wants to be awakened in retirement to respond to an issue or allegation but your insurance has to cover this eventuality.
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CNS GP does not appear to list what is covered?
at about working as a Civilian Medical Practitioner with the MoD for the Army, RAF or Navy. Is that covered ?
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