Time to Act: Secure Your Dental Indemnity Renewal

As August approaches and your dental indemnity renewal date draws near, it is crucial to take this opportunity to assess your coverage and ensure you possess the appropriate policy that will safeguard you not only for the upcoming year but also for the foreseeable future.

 

Understanding the extent of your coverage under your dental indemnity insurance policy is essential. Equally important is knowing what you are not covered for. Ask your insurance provider for any outstanding questions you may have.

 

Here are some key aspects to check in your policy:

 

Claims occurrence-based:

Having a claims occurrence policy is generally more favourable than a claims-made policy. It ensures that you are protected from claims related to events that occurred during your coverage period, even if the claim is made after your policy expires. If you have a claims-made policy, obtaining run-off cover is often necessary to maintain the same level of protection as a claims occurrence policy once your insurance expires.

 

Contractual versus discretionary insurance:

In the past, dentists often obtained insurance coverage from defense organisations. While this has its advantages, the coverage provided is typically discretionary, meaning there is no legal contract obligating them to pay out on a claim. By purchasing a policy from an insurer, you gain the reassurance of a contractual policy where the provider is obligated to support you throughout any legal disputes and honour valid claims.

 

Nil excess:

Ideally, seek a policy with a zero excess, ensuring you won’t incur any out-of-pocket expenses during a claim.

 

Approved for GDC registration and revalidation:

To renew your registration with the General Dental Council, it is mandatory to have a valid insurance policy. Confirm that the policy you select is accepted by the GDC for your professional membership.

 

Dento-legal advisors:

While this may appear as a non-essential feature, having access to legal experts with a deep understanding of your profession during a claim can be invaluable. They can provide personalised support and advice tailored to your specific needs, going beyond mere legal perspectives.

 

Additional benefits:

Consider the supplementary benefits offered by your policy and assess whether they justify any additional premium you may have to pay. Favourable benefits for dental professionals may include coverage for breach of professional confidentiality, support for mitigating damage from claims, Good Samaritan cover, and public relations assistance to safeguard your reputation throughout a claim.

By carefully reviewing these aspects of your dental indemnity insurance policy, you can ensure comprehensive coverage that aligns with your professional requirements and provides peace of mind.

 

So why choose All Med Pro for your dental indemnity cover?

  • Excellent Ekomi Score
  • Agile to change
  • Offer CPD workshops and e-learning support.
  • Real people
  • Excellent Insurer Financial Strength
  • Track Record of Product Evolution
  • Impartial Advice

 

All Med Pro is a reputable and specialised insurance provider catering to dentists and other healthcare professionals. Our extensive knowledge of the distinct risks that you encounter enables us to offer comprehensive insurance packages customised to your specific requirements. By choosing All Med Pro, you can experience a sense of security, as we provide dependable coverage and assistance precisely when you need it. With our unwavering dedication to excellence and deep industry expertise, All Med Pro remains the preferred option for individuals seeking outstanding insurance solutions within the healthcare sector.

Contact Us Today

If you have a query, give us a call at 0203 757 6950 or drop us an email via [email protected]

Alternatively, book a FREE consultation call with an expert member of our team: All Med Pro (office365.com)

For peace of mind that you and your business reputation are protected, contact All Med Pro for all your insurance needs.

Share this post: