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FAQs

If you still have questions after reading these FAQs, don't hesitate to contact the Membership Team on 0845 270 2038.

General

  1. How much would I be indemnified for?
  2. What's the difference between occurrence-based cover and claims-made cover?
  3. MDDUS indemnity is 'discretionary'. What does that mean?
  4. I work for the NHS. Why do I require membership when I already have crown indemnity?
  5. If I am referred to the GMC or GDC will the NHS offer me assistance?
  6. What are the advantages of having assistance from the MDDUS at a fatal accident inquiry or coroner's inquest?
  7. What are the benefits of a mutual organisation?
  8. Would membership indemnify me to work throughout the UK?
  9. Will I be indemnified for any claims arising from my previous period of membership with my existing defence organisation?
  10. Why should I choose MDDUS for my professional indemnity?

 

GP Discount Practice Scheme (DPS)

  1. How do I set up a Discount Practice Scheme (DPS)?
  2. Some of the doctors within the practice are not members of the MDDUS, can they join?
  3. Some of the doctors within the practice are already MDDUS members, can they join the DPS?
  4. When would payment be required?
  5. How can payments be made?
  6. How do we pay by cheque?
  7. How do we pay by credit card?
  8. Once the scheme is set up when will membership be renewed in future years?
  9. What happens if one of the doctors leaves the practice permanently or has time away for maternity leave etc?
  10. Can the locums working in our practice join this scheme?
  11. Do other members of the practice team enjoy any benefits?
  12. Our practice manager is a Partner within the practice, do they benefit from the DPS?
  13. What should I do if a doctor joins the practice?
  14. All of our GPs have different renewal dates with their existing indemnity/insurance arrangements. Should they wait until their current membership expires before they change over to the MDDUS?
  15. Can the MDDUS cancel a GPs existing membership with their current MDO?
  16. What do we need to qualify for a DPS?

 

General


1. How much would I be indemnified for?

MDDUS membership provides unlimited indemnity.

Unlike conventional insurance products we don't place any limit on the cover we give, and unlike insurance policies we don't have conditions and exclusions that can result in claims being declined.

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2. What's the difference between occurrence-based cover and claims-made cover?

MDDUS membership provides occurrence-based indemnity. This means that you are eligible for assistance for all events that occur while you are a member, regardless of when an actual claim is made. You will enjoy the full support of the MDDUS even if you have moved abroad, ceased clinical work or retired.

Insurance products operate in a completely different way; they usually only guarantee protection if you are insured, both when the incident occurred and when the claim is made.

The crucial importance of this lies in the fact that medical and dental malpractice claims can be made several months or even years after the events that give rise to the claim.

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3. MDDUS indemnity is 'discretionary'. What does that mean?

Discretionary means that the settling of claims and providing of assistance is at the discretion of the Board.

The ability to operate discretion, as opposed to compliance with inflexible terms and conditions such as those found in insurance policies, is a positive benefit.

In many cases we have offered levels of support to our members that would not have been possible with a conventional insurance policy.

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4. I work for the NHS. Why do I require membership when I already have crown indemnity?

As a hospital doctor, you will be covered by crown indemnity for work undertaken within your NHS contract.

If, however, you were involved in disciplinary issues, General Medical Council (GMC)/General Dental Council (GDC) referrals, fatal accident inquiries or coroner's inquests, you would not receive any assistance.

In situations like this, which can have a serious impact on your career and ultimately result in you being struck off, MDDUS membership provides you with access to expert support and advice.

The MDDUS advisory and legal teams have years of experience and clinical knowledge from which you can benefit.

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5. If I am referred to the General Medical Council (GMC) or the General Dental Council (GDC) will the NHS offer me assistance?

No. The NHS will not assist you if you're involved in a GMC or GDC matter.

It's important to remember that the GMC/GDC has the power to suspend you, place restrictions on your practice, issue you with a warning and ultimately erase you from the register.

With such potentially severe consequences, there are many advantages to having representation and assistance from the MDDUS whose focus will be to ensure that your case is dealt with fairly and efficiently.

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6. What are the advantages of having assistance from the MDDUS at a fatal accident inquiry or coroner's inquest?

Although an individual cannot be found at fault at an inquiry or inquest, any criticisms made can lead to a GMC/GDC or criminal matter being raised against you.

Due to the potential of such a serious outcome it is important to have the support and guidance of an MDDUS adviser who can advise you on how to conduct yourself throughout this formal, and often daunting, process.

At MDDUS, we have retained some of the UK's leading medico-legal and dento-legal solicitors, which means we can instruct the best legal representation.

As an MDDUS member, this representation is available to you free of charge.

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7. What are the benefits of a mutual organisation?

One of the most valuable benefits of a mutual organisation is that the MDDUS doesn't have shareholders and does not pay dividends to its members.

That means all the income generated by subscriptions is invested back into the organisation and member services, and in the maintenance of a healthy reserve to cover legal costs and claims

This, coupled with our sound financial acumen, means that we maintain very competitive subscription rates and have built a financially strong organisation.

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8. Would membership indemnify me to work throughout the UK?

MDDUS members are indemnified to work anywhere in the UK except Gibraltar and the Falkland Islands.

Although we do not normally operate membership outside the UK, we do indemnify members for Good Samaritan acts anywhere in the world, which are not covered by any other indemnity or insurance arrangements.

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9. Will I be indemnified for any claims arising from my previous period of membership with my existing defence organisation?

It is our understanding that your previous defence organisation will continue to protect you for time spent with them as a member, should any case arise after you leave them.

For your own peace of mind, you should confirm this with them.

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10. Why should I choose MDDUS for my professional indemnity?

MDDUS has been providing support and indemnity to medical and dental professionals for over 110 years. We pride ourselves on offering a quality, personalised service provided by our team of medico- and dento-legal advisers who are recognised as some of the leading UK experts in their field. Our members can enjoy the security and peace of mind which comes with receiving this high level of service at a competitive price. Our expertise has been invaluable in supporting our members when they need us.

Over the past 10 years, MDDUS has successfully defended more than 75 per cent of claims notified and, in the rare event of a case progressing to trial, the majority of our members are successfully defended. In 2011 more than 96 per cent of GMC complaints were resolved without the need to progress to a fitness to practise hearing.

We are proud to say that, in an independent survey carried out by market research firm GfK, MDDUS ranked highest of all UK mutual medical defence organisations for member satisfaction (online poll of 695 defence organisation members conduced by GfK, NOP May 2012; rating of satisfaction with overall services/resources provided).

MDDUS also enjoys a superior rating from Dun & Bradstreet, the leading global business information provider, which further underlines the financial strength of our organisation.

 

GP Discount Practice Scheme (DPS)


1. How do I set up a Discount Practice Scheme (DPS)?

To set up a scheme for your practice, the practice manager should complete a copy of the online application form available by clicking on this link. Once this form has been processed, our Membership Team will e-mail the practice manager a reference number. The GP’s can then use this reference number to complete the individual application online via this link.

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2. Some of the doctors within the practice are not members of the MDDUS, can they join?

Yes, they can complete a membership application form once the practice manager has provided the MDDUS reference number, the application can be accessed via this link. They must ensure that they complete and submit their application form before their existing indemnity/insurance cover expires as cover cannot be backdated.

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3. Some of the doctors within the practice are already MDDUS members, can they join the DPS?

Yes, current MDDUS members can be transferred into the DPS if their details are provided on the DPS application form. Any individual subscriptions paid beyond commencement of the DPS will be refunded directly to the member. And, any member not paid up to the DPS commencement date will be invoiced for subscriptions on a pro-rata basis, to take them to the required date.

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4. When would payment be required?

Payments can be made annually, quarterly or in 10-monthly instalments.

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5. How can payments be made?

Using the online application form, a direct debit can be setup to take payment in either one annual, four quarterly or ten monthly instalments. All members of the DPS must agree on a common payment method, which will over-ride any current arrangements agreed with existing members. Please note, the direct debit must come from the one source, e.g. the practice account.

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6. How do we pay by cheque?

If the practice would rather pay by cheque, application forms can be obtained by contacting our membership department on 0845 270 2038 and should be returned together with cheques from either the practice or individual. All cheques should be made payable to MDDUS. If individual cheques are the preferred option then they must be sent to the Membership Services Department collectively. Once arrangements for the DPS have been finalised DPS registration details will be mailed to you.

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7. How do we pay by credit card?

If the practice would rather pay by card, application forms can be obtained by contacting our membership department on 0845 270 2038 and should be returned together with card details completed. Once arrangements for the DPS have been finalised DPS registration details will be mailed to you.

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8. Once the scheme is set up when will membership be renewed in future years?

All members of the practice will now renew their membership together on one common date, which will be elected by the DPS administrator, with renewal being on an annual basis. Renewal documents will be sent to the DPS administrator prior to renewal.

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9. What happens if one of the doctors leaves the practice permanently or has time away for maternity leave etc?

As all subscriptions are paid on an annual basis in advance, it is imperative that the MDDUS is advised of any doctors leaving the practice. Any subscription paid by the practice on behalf of the doctor who is leaving will be refunded pro-rata to the practice. At the same time we will correspond with our member to ascertain future membership requirements. Common reasons for leaving a group scheme are maternity leave, retirement, long-term sickness or moving to another practice. Please note that practices paying by an instalment plan will have their repayment amounts adjusted to take into account anyone leaving or joining the practice.

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10. Can the locums working in our practice join this scheme?

No. As locum GPs are not employed directly by the practice they are not eligible to join the DPS.

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11. Do other members of the practice team enjoy any benefits?

Yes, practice managers, nurses, phlebotomists, healthcare assistants and other ancillary staff members will benefit from the vicarious liability element of the DPS membership. This is on the understanding that they are employed directly by the practice and are not seconded from the Health Board or Health Authority. We also expect that these individuals only undertake those duties for which they have the proper training and expertise and are delegated to them by the medical staff that employ them. Cover for these members of staff is included free of charge under the DPS membership.

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12. Our practice manager is a Partner within the practice, do they benefit from the DPS?

As a practice manager who is a profit sharing partner we recommend that they also secure MDDUS Associate Membership, which provides suitable cover for any financial liability incurred.

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13. What should I do if a doctor joins the practice?

When a doctor joins the practice it is necessary to include them on the practice scheme by asking them to complete the online application form accessible via this link. If the doctor is not an existing member of MDDUS they are required to complete a membership application form before their existing indemnity/insurance cover expires as cover cannot be backdated.

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14. All of our GPs have different renewal dates with their existing indemnity/insurance arrangements. Should they wait until their current membership expires before they change over to the MDDUS?

Membership of the MDDUS can commence at any time suitable to the individual. If, however, a GP wishes to join before the expiry date of their current indemnity/insurance arrangements they must ensure that this membership is cancelled prior to the date membership commences with the MDDUS.

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15. Can the MDDUS cancel a GPs existing membership with their current MDO?

All current indemnity/insurance arrangements with companies other than the MDDUS must be cancelled by the GP themselves, MDDUS cannot do this on their behalf.

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16. What do we need to qualify for a DPS?

All or the majority of GPs within the practice must join the MDDUS in-order that the practice qualifies for the benefits of a DPS, as set out in the Benefits of Membership section.

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