Protect yourself with the safety net of indemnity insurance.
As a consultant obstetrician, you’re responsible for making quick, important decisions in the face of unexpected complications which can lead to potential legal challenges for both mother and child. Whether it’s a high-risk pregnancy or a complicated labour, your expertise is vital.
Obstetrics is one of the most high-risk areas within medicine – even the smallest problem can lead to serious issues. That’s why having consultant obstetrician indemnity insurance is so important.
At THEMIS, we offer personalised, contractual consultant obstetrician indemnity insurance, helping you to safeguard your career and finances from medical malpractice claims. With our indemnity insurance, we deliver complete peace of mind so you can focus solely on providing care to expectant mothers.
Apply for consultant obstetricians indemnity insurance here.
Why do consultant obstetricians need indemnity insurance?
Consultant obstetricians face different challenges each day, with your reactions and responses being potentially life-saving. However, while the majority of the procedures and patient care processes go smoothly, there’s always the potential for complications – even when providing the highest standard of care.
Medical malpractice claims in obstetrics can be complicated and costly, so protecting yourself with the right type of indemnity insurance is vital.
Some of the key benefits of indemnity insurance for consultant obstetricians include:
● Specialist claim support – malpractice claims in obstetrics are very difficult to manage alone.
They’re complicated in nature, due to the potential long-term effects of your care for mother and child. However, our indemnity insurance offers access to our specialist claims team – experts in handling consultant obstetrician malpractice claims. We’ll help you resolve claims efficiently and effectively while ensuring minimal impact on your career, reputation and finances.
● Protection against legal costs – defending yourself against a malpractice claim can be financially devastating. From legal defence costs to solicitor fees, THEMIS can ensure your finances remain unharmed by a malpractice claim.
● Compensation claims coverage – if a malpractice claim results in your patient being awarded financial compensation, our indemnity insurance can cover the cost. We’re committed to protecting your personal and professional assets to ensure they aren’t used to settle claims.
● Risk management support – as well as financial support, our indemnity insurance provides you with risk management support, helping you minimise the likelihood of malpractice claims occurring.
● Peace of mind – whether you’re managing complex, high-risk pregnancies or emergency caesarean sections, consultant obstetrician indemnity insurance ensures you can focus all your time and effort on what matters most by giving you peace of mind.
Facing such high-risk, important procedures and processes every day means there is a risk of complications and the possibility of malpractice claims. However, when you invest in indemnity insurance, you will not only safeguard your career and professional reputation but also ensure you have financial stability when facing malpractice claims.
Is it compulsory to have consultant obstetrician indemnity insurance?
To comply with The Health Care and Associated Professionals Order 2014, all regulated healthcare professionals, including consultant obstetricians, must have indemnity insurance. This ensures healthcare professionals are fully protected should a malpractice claim arise.
However, it’s important to know that indemnity insurance is available in different forms and not all policies offer the same level of coverage. You must ensure that as a consultant obstetrician, your indemnity insurance is specifically suited to the high-risk nature of your role.
The General Medical Council’s Good Medical Practice 2024 guide stresses that you must regularly assess your indemnity insurance policy to ensure it still pertains to your role and covers all aspects of it.2 As your career evolves and changes, you must also revisit your policy to ensure you’re still fully covered.
At THEMIS, our consultant obstetrician indemnity insurance is contractual, so you’ll have comprehensive protection. Our tailored premiums are based on your unique needs and role, so you can be certain that you’re covered day-to-day. We also apply real-world claims data to assess the risks of your role to ensure your coverage always aligns with your responsibilities.
What types of indemnity insurance are there?
When it comes to indemnity insurance, there are two main types, discretionary and contractual.
Knowing the difference between these types of indemnity insurance is vital:
● Discretionary indemnity insurance – this type of insurance means your provider has the discretion to decide if they’ll cover your claim. There’s no legal obligation for them to provide you with coverage and they’ll make their decisions on a case-by-case basis. This can make it difficult for consultant obstetricians to rely on their indemnity insurance, as there’s no guaranteed support.
● Contractual indemnity insurance – this type is based on a legally binding contract that means your provider will have to cover you if your claim is covered in your policy. Your terms will be clearly defined in your contract, so you can have confidence you’ll be covered should you ever need it.
At THEMIS, we only offer contractual indemnity insurance to ensure you receive full coverage when it’s most important.
Why choose THEMIS for consultant obstetrician indemnity insurance?
Choosing the right indemnity provider is important for consultant obstetricians, as your high-risk role necessitates specialised cover. THEMIS provides expert-led, contractual consultant obstetrician indemnity insurance to ensure your protection is designed to meet your needs.
● No discretionary refusal – at THEMIS, we provide specialist contractual indemnity. This means no discretionary refusal. We give you a clearly worded policy that explicitly lays out what your cover includes, so you can feel confident when making a claim.
● Expert-led support – our in-house claims handling team is here to help you every step of the way. We don’t outsource our support, so you’ll always be looked after by one of our experts.
● Flexible policies – we understand the importance of tailored contractual indemnity insurance for consultant obstetricians. That’s why we offer flexible policies that can be personalised to your needs based on your practice scope and risk level. When you choose THEMIS, you can feel confident that your policy will be personalised to your role.
● Risk assessment – we know that consultant obstetricians face many different challenges every single day, which is why we use actual claims data to assess your personal risk. This helps us craft a policy that takes your risk assessment into account. We’re committed to providing cost-effective coverage that doesn’t compromise on protection.
● Competitive premiums – we offer competitive premiums for our consultant obstetrician indemnity insurance. We use our expert medical malpractice underwriters and claims data driven by artificial intelligence (AI) to help keep premiums to a minimum. Our prices reflect your personal risk but still keep our insurance accessible and affordable.
When you choose THEMIS, you can be certain you’re getting extensive indemnity insurance coverage that will be there for you whenever you need it.
Apply for consultant obstetricians indemnity insurance here.
