THEMIS does not offer discretionary indemnity. THEMIS only provides contractual, regulated indemnity, providing a clear guarantee of protection in the event of a claim. We see contractual indemnity as a minimum, and will never offer discretionary indemnity.
All THEMIS policies are regulated by the Financial Conduct Authority.
All THEMIS policies are underwritten by carefully selected Lloyds underwriters, with a minimum Standard & Poor’s rating of A+. Such financial security is vital so that you know a THEMIS policy is capable of responding to any claim you may face.
All claims are managed in-house by THEMIS, with legal opinion exclusively provided by Legal 500, tier 1 firms and independent expert evidence provided by TMLEP. Our approach means that in the event of a claim, you are in exceptionally safe hands.
Yes, all THEMIS policyholders are able to call us for medico-legal advice free of charge. We are able to help advise on a range of issues you may face such as complaints handling.
If you are referred to the GMC by a patient you can contact the THEMIS medico-legal helpline for free advice if you are a THEMIS policyholder. If you have Defence + as a part of your THEMIS policy we will also represent you at the GMC hearing subject to the terms of your policy.
All THEMIS policies contractually provide you with a 21 year Run Off period. This will activate in the event of your retirement, personable disablement or death. Run Off cover is only available should you have been THEMIS policyholder for a minimum of 3 years and have no claims in those three years.
Good Samaritan Acts are covered under your policy.
Simply put, the policy will cover you for any claims or circumstances that are reported to, and accepted by, our underwriters during the policy period. It is for this reason that as soon as our Policyholders are aware of any potential incidents, we must be notified.
THEMIS is designed for medical professionals with a UK practice. Should you be planning to work overseas we must be notified. We may be able to include work overseas, subject to a formal agreement, depending on what exactly it is you wish to indemnify.
This is a vital component of any THEMIS policy and any claims made product. It is the date set from which circumstances or claims arising will be covered under your policy.
If you were to decide to leave THEMIS for another provider it is vital that you check whether you are leaving contractual for discretional. You will also need to check the correct retroactive date is being set to ensure no gap in cover.
Essentially, under a THEMIS policy, you are protected by a legally enforceable contract in the form of your policy. The MDO’s traditionally offer discretionary indemnity which, as the name suggest, means that the acceptance of any claim during the policy period is at the discretion of the MDO. We reccomend speaking with your MDO to ask whether they are regulated and whether they have a legal obligation to provide assistance.
All your policy details and documents can be found in the email sent to you by THEMIS in your confirmation email. If you cannot find these, contact THEMIS with your policy number.
Claims made based policies operate on the basis of when the incident occurred. In whichever policy period the incident occurred the provider who has ownership of the retroactive date that is inclusive of the incident is responsible for cover.
This is the period after which a Medical Professional ceases to practice and they retain cover for. This can only be earnt after 3 years of claim free continual cover with Themis.
If you have been unable to find the answer to your query above, please contact us and a member of the team will be happy to assist. You can contact THEMIS Clinical Defence via instant messaging, emailing [email protected] or calling us on 0203 411 3898.
Please note that all FAQ answers and videos are provided for general information purposes only. Individual circumstances, insurance requirements and insurance availability may vary. Please contact THEMIS to discuss your insurance requirements so we can provide accurate personalised advice.