Gain peace of mind and protection with contractual orthopaedic malpractice insurance.
Orthopaedic surgery is a highly specialised field, involving intricate procedures and complex patient needs. At THEMIS, we understand the unique risks orthopaedic surgeons face and the vital need for comprehensive medical malpractice protection.
Our orthopaedic malpractice insurance is specifically designed to safeguard orthopaedic surgeons against medical malpractice claims. We also include additional legal support so you can overcome claims of alleged negligence or malpractice.
Why do orthopaedic surgeons need malpractice insurance?
Orthopaedic surgeons deal with complex medical issues daily and, combining this with high-stakes procedures, there is the potential for unintentional mistakes to occur. This is why having orthopaedic malpractice insurance is so important.
Orthopaedic treatments, while done with the best intentions, have the risk of causing long-term complications or even disability. This, combined with society becoming increasingly litigious, means that patients are now not only more aware of their rights but also more likely to raise a malpractice or negligence claim when they feel mistreated.
Some of the malpractice claims orthopaedic surgeons can face are often related to highly complex, technical procedures including:
- Spinal surgeries
- Joint reconstructions
- Bone tumour surgery
- Sports injury surgery
- Particular anatomical region surgery
All of these types of procedures are very technical and have the potential to cause life-long damage if human error were to occur or a mistake was made. Having orthopaedic malpractice insurance means you’ll be covered if unforeseen circumstances arise in a procedure like this.
When you choose THEMIS for your orthopaedic malpractice insurance, you can feel assured that our policies meet the specific legal and professional standards required for your role. This helps you remain fully compliant and protected, offering complete peace of mind while you fulfil your duties as a specialist surgeon.
Is it compulsory to have medical malpractice insurance as an orthopaedic surgeon?
In the UK, medical malpractice insurance is a legal requirement for orthopaedic surgeons (as well as all healthcare professionals).
Under the Health Care and Associated Professionals Order 2014, all healthcare professionals are required to have either personal or corporate medical indemnity insurance.
However, there are different types and coverages available, so your insurance must meet your needs within your specialism. The General Medical Council’s recently updated Good Medical Practice 2024 also confirms this, stating that your coverage must be ‘appropriate’ and built around your specific role.
At THEMIS, our medical indemnity insurance policies are tailored around you, so you can rest assured that, as an orthopaedic surgeon, all of your individual responsibilities and requirements will be protected.
What types of malpractice insurance do you offer orthopaedic surgeons?
There are two types of medical indemnity insurance: contractual and discretionary.
Here at THEMIS, we only provide contractual medical indemnity insurance. This is because it offers orthopaedic surgeons clear, guaranteed coverage defined in the terms of your policy.
Unlike contractual insurance, discretionary medical indemnity insurance refers to a form of cover where decisions are made on a case-by-case basis, meaning you may not always receive the financial or legal support you need.
Our contractual insurance policies ensure you receive coverage for the complex, specific requirements involved with working as an orthopaedic surgeon.
When you choose THEMIS for your contractual malpractice insurance, as long as any malpractice claims fall within the scope of your policy, you’ll receive guaranteed coverage.
Malpractice insurance cost for orthopaedic surgeons
The cost of malpractice insurance for orthopaedic surgeons varies depending on a wide variety of factors. Some of these factors include:
- Your specific role and responsibilities you perform
- Your level of experience
- Any previous claims history you have
To get a detailed, accurate quote, apply for a personalised quote from us today. Our competitive premiums and clear contracts mean you’ll fully understand what you’re paying for and covered against.
Why choose THEMIS for orthopaedic malpractice insurance?
Choosing THEMIS for your orthopaedic malpractice insurance means you will receive comprehensive and contractually secure medical indemnity insurance.
Our personalised cover is designed to meet a wide range of specialist needs to ensure you receive full protection from claims of clinical negligence and malpractice claims through your work as an orthopaedic surgeon.
At THEMIS, we offer:
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Fair premiums: We use industry-specialist medical malpractice underwriters and harness the power of artificial intelligence (AI) for our claims data to keep our premiums to a minimum.
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Specialist supporting teams: Our in-house expert claims handling team will support you at every step of the way. We don’t outsource at THEMIS, so you can feel confident that your claim and policy will be handled carefully by a member of our committed team. Our defence team and our clinical governance team will also ensure you receive all the information you need and provide you with the high level of support you deserve.
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Broad spectrum coverage: You can choose exactly the type of protection you need. Our personalised approach means you will know exactly what you’re covered against, so you won’t be paying for any protection you don’t need.
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No discretionary refusal: As we don’t offer discretionary insurance, you can feel assured that any claim you may make will be met based on the clearly worded terms of your contractual agreement.
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Risk management: Mitigating risk is just as important as dealing with its outcomes, which is why we offer our support and communication between orthopaedic surgeons and our team. This means you can find all the answers you need to effectively minimise risks and the likelihood of a malpractice claim.
- Medico-legal support: As part of your policy with us, we also provide you with access to a medico-legal advice helpline that ensures you will always be able to source answers to any day-to-day concerns you may have.
To learn more about our orthopaedic malpractice insurance, or if you’d like to talk to us about the policies we offer, get in touch with our helpful team today.
