November 30, 2021

"WHAT I REALLY THINK..." - ANONYMOUS OPINIONS FROM THE INDUSTRY

"WHAT I REALLY THINK..." - ANONYMOUS OPINIONS FROM THE INDUSTRY

Professional indemnity insurance for medical escorts

The model used by all assistance companies and repatriation services is to use medical escorts as and when ...

Of course most have full time employed staff but due to the cost and fluctuation in demand staff are employed on a freelance basis from a bank . This can work extremely well if the staff are appropriately qualified and working within their experience level and are provided the necessary equipment and support . The one crucial area that is often overlooked is the thorny issue of adequate indemnity insurance , it is all to easy to expect staff to have the correct cover but this is a dangerous mistake . The assumption most medics have is their professional body provides full indemnity cover , this is sadly just not the case .

The RCN have a very complex and lengthy explanation on their website as to the limits of cover they provide...

What is made clear is there is no cover for any trips involving the USA and Canada, there are a myriad of other exclusions and clauses which might well cause issues . The HCPC offer no cover at all and require all their members to provide their own cover for private freelance work , The NMC take exactly the same position . As for the MDU which provides for Doctors they provide no cover whatsoever and Drs are required to once again arrange adequate cover for any activity they undertake without the umbrella of a employing body providing indemnity insurance .

The outcome of any situation during a medical repatriation that was not fully covered  by insurance could prove disastrous...

For both the medical professional and presumably the company arranging the repatriation .