Insurance for healthcare professionals Insurance for healthcare professionals

Cover for self-employed nurses, doctors, medtechs and other healthcare pros against misdiagnoses, omissions, negligence and more. Enjoy medical malpractice, professional indemnity and public liability all in one policy.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

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Broadscale cover for healthcare professionals

Specialist insurance for self-employed healthcare professionals. Select your level of indemnity, from £500,000 to £5 million.

To take out medical malpractice cover, you must also have professional indemnity cover and public liability insurance. This allows you to have three core covers within one policy, plus a range of key extensions.

  • Medical malpractice, professional indemnity and public liability, all in one policy
  • Five-star rated customer service and claims support
  • Done and dusted often in a matter of minutes
  • Pay monthly or annually, it’s your choice

Benefits of our healthcare professional insurance

1

Medical malpractice

Working in the healthcare sector comes with lots of responsibility. Our healthcare professional insurance is designed to protect you against allegations of medical negligence in the treatments or advice you provide, such as misdiagnosis and physical or mental damage.

2

Professional indemnity

A hugely important area often not included within medical malpractice insurance — professional indemnity insurance — can protect you against claims for financial loss caused by errors or omissions in the services you provide.

3

Public liability

Superscript’s healthcare professional insurance also includes public liability. It can protect you against compensation claims and covers your legal costs if you accidentally cause an injury to a member of the public or damage their property in the course of your work.

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

Be quote confident

We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it — we'll go one better and beat it.

So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.

As you'd expect, T&Cs apply.

What is medical malpractice insurance?

Medical malpractice insurance (or med mal for short) covers medical and healthcare professionals for claims alleging a mistake or negligence in the course of their duties.

Claims of medical negligence against healthcare professionals are on the rise. The repercussions can be extremely serious, including disciplinary proceedings, medical malpractice inquiries and hefty legal and compensation costs.

Medical malpractice insurance can help you to defend yourself and cover the costs involved.

Who is healthcare professional insurance for?

Our healthcare professional insurance is designed for any self-employed medical or healthcare specialist providing care to patients. We can also cover medtech and healthtech firms that provide software used by medical organisations and the public.

We also cover a very broad range of specialists including carers, dental nurses and therapists, radiologists, opticians, nutritionists, physiotherapists and many more.

What risks does healthcare professional insurance cover?

Medical malpractice insurance is built to protect medical and healthcare professionals against mistakes and omissions that they could make in the course of their work.

As a result of the services you provide, if your patient suffers a financial loss, the professional indemnity section could pick up the expenses related to the claim and may cover any compensation you are obliged to pay. Public liability insurance can protect you for any accidental injury or property damage that might happen while you perform your duties, not directly related to your professional services.

Things you can do

When you work in the healthcare sector, you’re often dealing with people on some of the most difficult days of their life. Therefore, it’s important to communicate clearly and sympathetically with patients at all times.

It’s advisable to always keep a detailed paper trail of advice and treatments you've provided, so you can refer back to this in the event of an issue. That includes obtaining informed consent for any treatments when required.

It’s also helpful to stay up to date with the latest standards to ensure you are fully compliant, and always follow up and ask for feedback from patients and other consultants after treatment, to check there are no potential issues and address any problems as early as possible.

What to watch out for

Some insurers may refuse to cover professionals who have had successful claims or disciplinary action against them in the past. If this affects you, be sure to check this when you’re taking out cover and make your insurer aware if you had any past claims.

Medical malpractice and professional indemnity insurance are usually claims-made policies, meaning that they only cover circumstances reported to the insurer within the policy period.

How do claims work?

1

Notify us of the claim

Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there's an issue which may require a payment to be made on your behalf.

2

We'll get on the case

We'll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you'll receive email confirmation of your claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We'll keep you updated on the next steps as the claim progresses.

3

A decision is made

We'll let you know if your claim is successful or not. If your claim isn't covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.

Why choose Superscript?

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Cover for over 1,000 types of business

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Five-star customer service and claims support

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Flexibility to adjust your policy without fees

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Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.