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There is no additional cost when joining our Practice plus schemes. Your account manager will walk you through the process of enrolling your GPs and adding associate members. We offer two schemes depending on the number of GPs that are with MDS. If you have GPs in your practice who are currently with a different medical indemnity provider, your account manager will help you set up a Practice Plus scheme. We recognise that sometimes GPs need to wait until the end of their current membership before they can move. Your account manager will help tailor the process so that all GPs have a common renewal date.

Eligible for practices where at least 50% to 75% of the GPs in a practice have membership with MDS.

Practice Plus Extra scheme has additional benefits and open to where at least 75% of the GPs have membership with MDS. See below for more details.

Summary of Benefits

Z 5% Discount for all Team members

Z Practice Manager associate membership*

Z Personal Account Manager

Z Personalised Application Process

Z Free CQC Advice

Z HR Support

Z Free cover for HCA and Phlebotomists

Z Cyber Liability Cover

Z Advertising Injury

Z Libel, Slander and Defamation Cover

* Additional fees my apply

Z 10% Discount for all Team members

Z Practice Manager associate membership*

Z Personal Account Manager

Z Personalised Application Process

Z Free CQC Advice

Z HR Support

Z Free cover for HCA and Phlebotomists

Z Cyber Liability Cover

Z Advertising Injury

Z Libel, Slander and Defamation Cover

Z Errors and Omissions Cover

Z Loss of Documents Cover

Z Breach of Confidentiality Cover

Membership not up for renewal?

Register your interest today and we’ll remind you nearer the date

Glossary

We understand the challenges in running a GP Practice and to help you MDS offers additional cover to protect you from claims that arise from areas other than medical indemnity.

CYBER LIABILITY COVER

Cyber-attacks and data breaches are on the rise and digital businesses are prime candidates. One click on the wrong email and you could face legal fees, compensation claims and financial losses due to system downtime and reputational damage. If that happens, cyber liability insurance will pick up the bill.

In May 2018, the General Data Protection Regulations (GDPR) will come in, with more requirements for safeguarding patient data. Fines for non-compliance also increase to up to €20m or 4% of annual turnover – whichever is higher. Our cyber liability policy covers notification costs, legal fees as well as civil penalties.

An effective response plan means you’ll recover from a breach more quickly, with minimum impact to your business and customers. Our cover gives you access to a first response package, with legal, IT forensics and PR support. Having a response in place is a requirement under the GDPR.

COVER FOR LOSS OF DOCUMENTS AND BREACH OF CONFIDENTIALITY

A breach of confidentiality occurs when data or information provided in confidence to you by a patient is disclosed to a third party without your patient’s consent.

While most confidentiality breaches are unintentional, patients can still suffer financial losses as a result. In order to recoup their money, they may take legal action against your firm. Additional protection from MDS is designed to cover against such instances.

Breaches of confidentiality claims cost UK organisations millions of pounds each year. However, it is not only large companies who have to be aware of breaches of confidentiality. Increasingly, smaller businesses and GP Practices are at risk. It is important to remember that maintaining confidentiality is not only a legal, contractual requirement, but also a moral one, and it can destroy the doctor-patient relationship very quickly.

COVER FOR CLAIMS FROM LIBEL, SLANDER AND DEFAMATION

High profile libel cases make great news stories. And our appetite for the details is strong, particularly when there’s a celebrity involved. But defamation isn’t just a celebrity issue. It can affect anyone. A minor lapse in judgement can land you in hot water if somebody takes offence at your words or actions. Perhaps an employee shares a joke about a client via email and it gets passed around. Or you re-tweet a piece of gossip to your Twitter followers and the subject of the gossip is offended. As a GP, you have your reputation to protect. No matter how large or small a GP practice is, it runs the risk of being sued for libel or slander if unfounded assertions are made against a patient or third party. it could be destroyed by legal costs and fines as a result of a defamation case. MDS can cover the legal fees in defending your business against a defamation claim, as well as compensation payments to the patient

COVER FOR FINANCIAL LOSS DUE TO ERRORS AND OMISSIONS (E&O)

Should a third party experience financial loss from a professional mistake during the running of the GP Practice, then they are entitled to initiate a court case against you or your practice to recoup their losses. MDS will provide indemnity and you will be covered for any legal defence fees, court costs, and settlements imposed. Unfortunately, the quality of service a 3rd party receives can be completely subjective and so you may find yourself being sued even when you believe to have done no wrong.

Even when you win an E&O court case, it can still cost you money in legal and defence fees, so it is important to be covered and not to drain your resources on something that can’t be controlled.

ADVERTISING INJURY AND INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS

Advertising injury means injury committed by a GP Practice in the course of advertising its services. The injury may be committed against an individual or another business. The injured party typically suffers a financial loss. For example, your practice publishes an ad that disparages another company, damaging its reputation. Your ad causes the injured party to lose customers. It sues your firm for compensatory damages to recoup the income it has lost. MDS covers the legal costs and claims.