Equitable Access Centres

The tendering process for the now called GP Led Health Centres under the Equitable Access to Primary Medical Care initiative is well underway throughout the country although the timing of the various stages differs considerably amongst commissioning PCTs.

We know that many Primary Care Providers are involved and we have been asked to provide indicative quotations to meet the corporate malpractice insurance requirements of the contracts being offered.

We have learned that some potential providers have not separately costed this in the belief that should their bid(s) be successful the additional services would be incorporated into their existing indemnity arrangements but this is not always the case.

There are good reasons to provide separate insurance arrangements for these centres. First, the differing nature of the risk in terms of services offered and likely staffing profiles needs to be underwritten in isolation to ensure competitive premiums. In addition, and perhaps more importantly, there is the issue of indemnity limits.

Tender specifications usually require a £25 million aggregate limit for medical malpractice cover for these centres which is considerably higher than the previous norm of £10 million. Incorporation of multiple risk types under one policy can lead to aggregate erosion in the event of claims, with the result that there is the potential of having insufficient indemnity provision to meet the EAPMC contract terms.

• Proposal Form
  

  If you would like us to provide an insurance quotation for your business please download the appropriate Proposal Form for your business, complete & sign it then return to us either:

   

  By Email to: quotes@mpsrs.co.uk

   

  By Post to: MPS Risk Solutions Limited, Granary Wharf House, Leeds, LS11 5PY.

   

  By Fax to: 0113 241 0387

   

  Here is a copy of our latest policy wording for your information.

• Professional Indemnity & Medicolegal Policy Wording
  

  The Professional Indemnity & Medicolegal Policy Wording provides full cover details, including definitions, terms and conditions. This policy provides cover for Malpractice, Good Samaritan Acts, Professional Indemnity & Medicolegal Protection.

• Initial Disclosure Document
  

  We are required by our regulators the Financial Services Authority (FSA) to provide all our customers with our Initial Disclosure Document. Please take time to read this document and retain for future reference.