Medical Indemnity policies are issued on a ‘Claims Made’ basis, which means that the policy will respond to:

  • claims first made against you and reported to the Insurer during the Period of Insurance;
  • any circumstances which you become aware of during the period of insurance, which could give rise to a future claim, provided you inform the Insurer in writing of such circumstance, as soon as practical, within the period of insurance.

This type of policy does not provide cover in relation to:

  • events that occurred prior to the retroactive date of the policy (if such a date is specified);
  • claims made after the expiry of the period of cover even though the event giving rise to the claim may have occurred during the period of cover;
  • claims notified or arising out of facts or circumstances notified (or which ought reasonably to have been notified) under any previous policy;
  • claims made, threatened or intimated against you prior to the commencement of the period of cover facts or circumstances which you first became aware of prior to the period of cover, and which you knew or ought reasonably to have known had the potential to give rise to a claim under this policy;
  • claims arising out of circumstances noted on the proposal/application form for the current period of cover or on any previous proposal/application form.