Do the MDU actually insure Irish doctors?

take everything

What medical indemnity cover do Irish doctors here have.
I've always had MDU cover but i hear they don't actually insure doctors now.Can anyone tell me what the situation is with this. Would MDU cover be superfluous anyway- because most hospitals have cover anyway (CIS). Also, can anyone tell me what the best cover is for working as a locum?
Thanks.

Vorsprung

MDU got out a few years ago, MPS were still around last year

RobFowl

Both the MDU and MPS do not actually insure doctors but offer professional indemnity. The MDU still cover some Irish Doc's but have not been taking on new members for quite a few years now.

Medisec are the only body that actually insure doctors and they only cover GP's AFAIK

take everything

RobFowl wrote: »

Both the MDU and MPS do not actually insure doctors but offer professional indemnity. The MDU still cover some Irish Doc's but have not been taking on new members for quite a few years now.

Medisec are the only body that actually insure doctors and they only cover GP's AFAIK

Thanks.
Sorry for being thick but what's the difference between insuring doctors and providing indemnity.

Also, out of the three, which would you think is best for working as a locum NCHD say.
Is MPS the only option?

Or would the Clinical Indemnity Scheme suffice once you're working in public hospitals?

RobFowl

take everything wrote: »

Thanks.
Sorry for being thick but what's the difference between insuring doctors and providing indemnity.

Also, out of the three, which would you think is best for working as a locum NCHD say.
Is MPS the only option?

Or would the Clinical Indemnity Scheme suffice once you're working in public hospitals?

Indemnity means they are a mutual organisation and provide cover for their members even long after an incident has occurred..
Insurance means you are insured for a set period of time and if you do not renew it they will no longer cover you.

If you're doing NCHD locums MPS is your only option really and it's best to have it as well as the hospital cover anyway.

drzhivago

RobFowl wrote: »

Indemnity means they are a mutual organisation and provide cover for their members even long after an incident has occurred..
Insurance means you are insured for a set period of time and if you do not renew it they will no longer cover you.

If you're doing NCHD locums MPS is your only option really and it's best to have it as well as the hospital cover anyway.

Sorry to be the pedant here but

INSURANCE= you pay premium based on certain conditions that if X happens you will receive a payout to ensure you are no worse off because X happened

INDEMNITY-- marginally different

Most doctors dont have either they have MEMBERSHIP of MDU or MPS which are mutual medical societies set up hundreds of years ago to help members with the costs of litigation adn also advice about how to handle difficult ethical/moral and legal issues related to medical practice

The Theory was that if you were sued you asked the society for help and it ALWAYS helped with providing lawyers and also the settlement fee if there was one

In the late 1990's with rising costs of obstetric litigation this doctrine took a major hit and the societies started exercising their "discretion" about who they would help and who they wouldn't despite people paying up to €50,000 in membership fees

RobFowl

drzhivago wrote: »

Sorry to be the pedant here but

INSURANCE= you pay premium based on certain conditions that if X happens you will receive a payout to ensure you are no worse off because X happened

INDEMNITY-- marginally different

Most doctors dont have either they have MEMBERSHIP of MDU or MPS which are mutual medical societies set up hundreds of years ago to help members with the costs of litigation adn also advice about how to handle difficult ethical/moral and legal issues related to medical practice

The Theory was that if you were sued you asked the society for help and it ALWAYS helped with providing lawyers and also the settlement fee if there was one

In the late 1990's with rising costs of obstetric litigation this doctrine took a major hit and the societies started exercising their "discretion" about who they would help and who they wouldn't despite people paying up to €50,000 in membership fees

You must recall the St Pauls debacle when an insurer decided that the margins were too tight and pulled out of Ireland in the late 90's leaving many doctors having to buy expensive "run off" cover or else leave gaps in their practice when they would be perdonally liable

PS AFAIK that was the MDU (Who refused to cover the infamous Dr Neary) but not the MPS, am I correct in that DrZ ?

RAJA 6

IM DOCTOR LOOKING FOR INSURANCE COVER TO WORK AS LOCUM GP BUT MY NAME IS NOT IN THE GP REGISTER.ANY SUGGESTIONS