Outstanding professional indemnity insurance for you

All dentists joining Medisec will enjoy absolute peace of mind with occurrence professional indemnity insurance underwritten by MedPro.

With an occurrence policy, your cover doesn’t end when the policy ends. Instead, the limits remain available to pay future claims for claims arising from professional services rendered during the policy period. This means that – unlike a claims-made policy – if you take a career break or retire, there’s no need to buy tail cover.

Medisec members have the additional security of contractual insurance, as opposed to relying on discretionary cover. With discretionary cover, it is up to a Dental Defence Organisation (DDO)’s discretion to indemnify a specific claim, with cover being granted or denied on a case-by-case basis. Unlike membership with a DDO, insurance provides true certainty of cover, as there is a legally binding contract in place.

Put together, occurrence cover provided through an insurance contract gives Medisec members the strongest protection available.

Above all, Medisec members will benefit from the unsurpassed financial strength and expertise of MedPro. MedPro is a trading name of Berkshire Hathaway European Insurance DAC (“BHEI”), based in Dublin, authorised by the Central Bank of Ireland and rated AA+ by S&P. MedPro is exclusively focused on healthcare, bringing dedicated expertise for clinical risks.

Policy features

• Claims arising from dental malpractice
• Liability for Good Samaritan Acts and Humanitarian Aid Acts worldwide
• Dento-legal expert work
• Unintentional defamation and breach of confidentiality
• Liability arising from Partners, Locum Tenens and Employed dentists

Additional coverages

• Criminal prosecutions
• An investigation or disciplinary hearing brought by the insured policyholder’s professional or regulatory body, or employer.
• Coroners’ Inquests
• Civil proceedings brought against the insured policyholder under the Equal Status Acts 2000 – 2015 or equivalent legislation for unlawful discrimination
• Document replacement costs
• Participation in approved clinical trials

Consent to settle

Our promise to Medisec members is that while you look after your patients, we will look after you. We understand how much our members value and want to protect their professional reputations. That’s why MedPro has a consent to settle clause in their contract of insurance, which means they will collaborate closely with you and seek your consent before settling any claim made against you.

Part-time practitioner?

Premium reductions are available for dentists who do not work full time, based on the number of sessions worked during the membership year.

Having a baby?

We offer maternity leave policy suspension for up to 52 weeks. Only Good Samaritan cover is provided during this period. You are invited to read carefully the Terms and Conditions as provided to you before purchasing the policy. Coverages and exclusions are indicated for your attention.

In addition to arranging professional medical indemnity insurance, our members also benefit from:

Complaints and Disciplinary Assistance

Our members have peace of mind because we offer a contractual Complaints and Disciplinary service and our in-house legal team will expertly advise members throughout the process. We only work with select external healthcare counsel and the top experts who have the best experience, empathy and professionalism to guide and support our members through medico-legal challenges.

24/7 Local expert advice (non-regulated activity)

We have a dedicated team of expert legal and clinical staff who work in and understand the local market and the dento-legal challenges facing Irish dentists. Our team has extensive experience, empathy and professionalism to guide and support you and protect your reputation through dento-legal challenges and litigation. We are available 24/7 and members have unlimited talk time with our expert team of in-house lawyers and dental risk advisors on dental, ethical or legal queries that may arise in practice. We respond to 98% of queries on the same day and answer thousands of calls annually. Our work is supported by our Clinical Advisory Panel which reviews developments in practice and advises on risk mitigation, education and queries relating to scope of practice.

Outstanding Risk and Best Practice Education (non-regulated activity)

Medisec focuses on risk management and educational initiatives to help members meet best practice standards in the interests of patient safety, and to reduce the frequency of claims and complaints.

Medisec is committed to ensuring that members are taken care of from the moment they take up their first stethoscope to retirement and beyond.

Over 2,600 practitioners already trust us with their professional indemnity because:

• We have a strong culture of excellence in all we do. Our promise to all doctors is that, while you look after your patients, we will look after you.
• We proactively seek membership feedback to inform and develop our business strategy. We do not believe in standing still, and we put our members at the heart of what we do.
• We are highly regarded within the medical community. Independent feedback about Medisec highlights that we show empathy, warmth and support to members at a challenging time in their career.
• The Medisec management team has the assistance of respected external advisors and experts, including a Clinical Advisory Panel, which reviews developments in practice and advises on risk mitigation, education and queries relating to scope of practice. The Board of Medisec comprises medical practitioners and professionals from complementary disciplines such as insurance, finance, law and communications.
• We only instruct leading external healthcare solicitors and counsel who have the best experience, empathy and professionalism to guide and support our Members through medico-legal challenges and litigation.