From the quote above, the GDC made it mandatory for all dental caregivers to have indemnity insurance in place before they can get registered and start practising. For a dental assistant, this simply means that you won’t be able to work without a full cover, thus ensuring that everyone who is practising is protected at all times.
The Professional Indemnity Insurance policy title is used more often than perhaps the Medical Malpractice Insurance one, which can spread confusion, but in reality, both policies, adapted, or used for the medical professions have wordings that are very similar.
Medical Malpractice Insurance is a specialized type of professional liability insurance, medical malpractice insurance provides coverage to physicians and other medical professionals for liability arising from disputed services that result in a patient’s injury or death.
Indemnity insurance is a type of insurance policy where the insurance company guarantees compensation for losses or damages sustained by a policyholder. It is more common for dental assistants.
Of course, some insurance companies can give more or less cover but in general, the wordings follow the same types of cover. The main body of this insurance policy will cover both the legal cost to defend an allegation against you and in the event, you were found to be neglectful in your duties then it could then cover any damages awarded. All of the courses are subject to your policy terms and conditions.
What is included in the Dental Nurse indemnity cover?
Dental nurse indemnity insurance provides malpractice cover on a contractual, claims occurrence basis. This means that your policy is legally enforceable and not discretionary. It also means that you will continue to be covered for the insured period even if a relevant claim is made when your policy ends.
In addition to these features, some of the key benefits of the cover include:
- Indemnity cover up to a limit of £1m to £5m as standard – as per GDC requirements
- Specialist insurance – underwritten by Hiscox and winner of the 2016 Dental Industry Awards, this insurance is designed with dental professionals in mind
- Dedicated qualified dento-legal advisors who are also practising dentists – to work with you through a claim
- Option to cover all duties as a dental nurse – including additional cover such as prescribing, and processing radiographs
- Option for free retroactive cover – to ensure you are protected for a previous timeframe
- Personal insurance certificate for proof of cover – which means you do not have to rely on your employer to produce theirs.
These are the basics of the indemnity cover and why you are required to have one by the GDC before certification