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A guide to run-off insurance

A guide to run-off insurance

As medical negligence or other claims may arise after you retire – or stop practising for some other reason – you need to ensure you are covered for the long term.

Run-off insurance for GPs is a type of cover that specifically relates to historic claims from a time when you were practising.

Not all GPs will need run-off cover in order to deal with historic claims as it depends on the type of cover held while you were practising.

It is the responsibility of doctors to ensure they get insurance to cover the full scope of their practice, including run-off cover where necessary and appropriate.

What is run-off insurance for GPs?

Run-off insurance provides cover claims against a doctor or their estate made after they retire, die or are no longer practising for any other reason. It is legacy cover.

In cases where doctors have always held occurrence based indemnity there is no need for run-off cover. This is because occurrence based indemnity provides cover relating to the time when the incident occurred, regardless of when the claim is made. For this reason, all cover provided by Medical Defense Society is occurrence based.

Those who hold claims based cover need to consider run off insurance as that cover only pays for claims made during the policy period.

Who needs run-off insurance?

Run-off insurance is generally for those who have stopped practising or have retired and, crucially, held claims based rather than occurrence based indemnity while they were working.

Doctors who bought a claims based indemnity cover as a transitional product in the run-up to the introduction of Clinical Negligence Scheme for GPs (CNSGP) were initially advised they would need run-off cover.

It’s vital that GPs check if they were one of those and ensure they have sufficient cover in place. However, agreements have now been reached in many cases for the government to take on historic and existing liabilities predating CNSGP.

When the Government scheme was introduced in April 2019, the Department of Health and Social Care noted CNSGP would not act as run-off cover for those who had previous claims based products. However, there have been successful challenges and subsequent agreements over this.

What is the time limit for medical negligence claims?

Medical negligence claims can be brought years after an incident occurs.

While there is a three-year limit on medical negligence claims, it doesn’t exclude the possibility of proceedings being brought much later.

The three-year time limit states that claims must usually be brought within three years of either the incident or when it was first realised injury had been suffered.

The three-year limit does not begin until the 18th birthday of a child and, in the case of a mental disability, it doesn’t apply unless the person recovers from it.

So, while after three years the risk of an historic claim is likely reduced, the decision over how long to retain run-off cover may be complex.


Do you need advice about run-off cover? Contact us with your indemnity queries.

Private GP practice: Six considerations on paid-for healthcare

Private GP practice: Six considerations on paid-for healthcare

All of us as GPs will likely carry out at least some paid-for services, but expansion of or an outright switch to private delivery is, obviously, a wide-reaching decision.

It’s one thing to provide HGV medicals and firearms reports that don’t conflict with NHS services and another to step into a for-profit frame of mind.

Whether you are debating joining an existing private practice or forming one yourself these six preliminary considerations may be helpful thought prompts.

1.   Moral arguments

Few GPs considering branching out into offering private services will do so without some consideration of the moral arguments.

The debate is one that only individuals can come to a conclusion on but it’s worth remembering with this emotive issue that you’re likely to face strong views in opposition to your own. You may need to be patient with others and develop a thick skin.

As well as the wider conflict over whether or not private services are detrimental to the NHS, there are personal considerations around adjustments to dealing with profit being a factor in care.

If you are seeking to work for a private practice, rather than establish one, close scrutiny of procedures and practises, such as prescribing processes, will allow you to evaluate if your personal beliefs align.

2.   Robust division between private and NHS work

Should you be considering running a private practice or perform private work alongside an NHS practice you’ll need to ensure you have robust procedures to keep the two distinct.

The 2019/20 NHS contract prevents signed up GP practices from hosting or advertising paid-for services that fall within the scope of NHS funded primary medical services.

3.   Financial arrangements

In private practice you’re likely to need to deal with the priorities and expectations of investors or shareholders either in a direct or indirect way.

For those setting up private practice themselves, specialist accountancy and business advice may need to be tabled, not least in relation to dealing with private medical insurance companies.

Marketing also requires investment and expertise.

4.   Revalidation and appraisal arrangements

In private practice you’ll have the same revalidation and appraisal obligations in order to retain and protect your registration.

Processes to allow effective completion are vital.

5.   Patient expectations

Patients’ expectations among the privately funded bring different demands to those experienced in the NHS.

Some paying patients might well demand tests or treatments that may be clinically ambiguous.

6.   Indemnity cover

A move into private practice brings the need for further consideration of indemnity cover for yourself and staff if you’re employing them.

While the 2019 introduction of the Clinical Negligence Scheme for GPs (CNSGP) did not negate the need for indemnity cover even in traditional, majority NHS practices, in private practice cover must be robust.

The state-backed scheme offers automatic cover for liabilities relating to acts or omissions relating to the diagnosis, care or treatment of a patient in relation to NHS services only. It’s worth remembering that even private actions that are permissible in NHS practice are not covered by this scheme, which can cause confusion where there are grey areas, in relation to travel vaccinations, for example.

Terms of engagement should be among other legal considerations.

The importance of record keeping in healthcare

The importance of record keeping in healthcare

Patients will soon have the right to access their medical records through the NHS app – which is set to bring a renewed focus on what’s actually contained within a person’s file. If it’s easier than ever for patients to request, inspect and challenge the data kept on them, then the importance of record keeping in healthcare will be thrown into an even sharper focus.

Whether it comes naturally or not, all GPs have to accept that record keeping is a key part of their role. Far from getting in the way of patient time, this part of the job is the thing that informs and guides that patient time. It’s also the thing that protects you and your judgement should this later be questioned.

This post will focus on the importance of record keeping in healthcare and offer a timely refresher of some best practice tips for GPs to ensure they and their patients are on the right track.

Record keeping in healthcare

It pays to remind yourself of the end goal when it comes to your record keeping efforts. This part of the job is all about:

  • Keeping detailed information about a patient, their condition and their treatment to ensure you have all of the information you need to hand at every checkup or consultation with them.
  • Providing a record that could be picked up by a colleague if they need to pick up the care of the patient for themselves.
  • Creating a bank of evidence of the care given to a patient should your actions later be questioned.

Important considerations for good record keeping

The General Medical Council’s ethical guidance outlines how GPs should record their work ‘clearly, accurately and legibly’.

Its advice stresses that any records should be made as soon as possible after the events being recorded and that medical professionals should also be mindful of the laws around data protection so that this information can be safely and securely recorded and stored.

It also states that a patient’s clinical records should include:

  • Your name and the date for each new entry
  • Any relevant clinical findings you have made
  • The decisions you have taken as a result of those findings and any action that you have agree to take as a result.
  • An outline of any information you have passed on to your patient
  • Details of any drugs prescribed
  • Details of any further investigation to be carried out or any treatment required.

This record shouldn’t just be a note of face-to-face appointments, it should also contain important details such as:

  • X-rays and scans
  • Test results
  • Notes from telephone conversations
  • Discussions with your colleagues about the patient
  • Letters sent or copied in to the patient
  • Records of any surgery or hospital visit

Top tips on record keeping

How do you ensure you follow all of the above advice when working on a patient’s medical record?

  • Don’t try to alter a file. This is a key point to remember at all times. If you’ve made a mistake then you should correct this with a new entry that clearly outlines what has changed. It’s always best to make a new note, even when you’ve made an error, especially because the GMC frowns upon people who try to delete or change notes.
  • Use a good pen if you need to write anything by hand. GP handwriting is notorious – and you don’t want to conform to the stereotype. You don’t need to engage in beautiful calligraphy, but you do need to be understood and a good pen can assist with that.
  • Don’t be too personal. These records are professional, factual files and there’s no need to try to write in flowery prose or insert personal comments.
  • Check everything. It’s surprisingly easy to log notes against the wrong patient, for example. Check you’ve got the right person – and that all the details you’ve written are correct – before you submit your entry.


If you have any concerns about keeping accurate records, get in touch with MDS to see how we can support you.

General Election 2019: What are the parties saying about GP services?

General Election 2019: What are the parties saying about GP services?

The nation is set to go to the polls on December 12 for a rare winter General Election that pundits are saying will be crucial for the future of the country.

The Medical Defense Society is strictly neutral on political matters – we’re proud to represent GPs of any political persuasion – but we know that you’ll all be keen to see what the parties are proposing.

In a bid to help you to cut through the noise, we’ve laid out what the major UK-wide parties have said in their manifestos about GP services and their plans for the next five years.

Conservative Party

The Conservative Party, led by ex London Mayor Boris Johnson, is bidding to earn a majority in Parliament, after governing with the support of the Democratic Unionist Party of Northern Ireland since 2017.

GPs should note:

The manifesto promises 6,000 more GPs and add 50 million extra GP appointments a year (a 15% increase). The party says its plan would involve upping the number of GPs in training by about 500 a year. In 2015, then health secretary Jeremy Hunt promised 5,000 more GPs by 2020. However, numbers have actually declined in the past four years.
It also adds: “We also want to make sure that doctors spend as much time as possible treating patients, so we will address the ‘taper problem’ in doctors’ pensions, which causes many to turn down extra shifts for fear of high tax bills. Within our first 30 days, we will hold an urgent review, working with the British Medical Association and Academy of Medical Royal Colleges to solve the problem.

If you wish to read the full manifesto, you can download it here.

Labour Party

Jeremy Corbyn is looking to build on the party’s performance two years ago – and has set out a radical manifesto to increase public spending.

GPs should note that:

The party says, in general, it wants to increase NHS spending by 4.3% a year, abolish prescription charges and end ‘privatisation’.
The manifesto states: “To support our transition to community health care services, we will expand GP training places to provide resources for 27 million more appointments each year and ensure community pharmacy is supported.”

To read the Labour Party’s full manifesto, follow this link.

Liberal Democrats

Jo Swinson is leading the Liberal Democrats into the 2019 General Election and will hope to hold the balance of power.

For GPs, the manifesto states:

The party wants to: “End the GP shortfall by 2025 by both training more GPs and making greater appropriate use of nurses, physiotherapists and pharmacists, and also phone or video appointments, where clinically suitable.”
The party also pledged to support GPs to ‘work with nurses, physiotherapists, mental health and other professionals’ to offer multi-disciplinary services and to improve out of hours and mobile appointments.

Read the full Liberal Democrat manifesto here.

Green Party

The Green Party will be wanting to build on its one MP, after securing more than two million votes at the recent European elections.

From a GP’s perspective, the party’s manifesto states:

NHS services to be planned and provided through Health Boards – and increase funding by at least £6 billion a year.
It also states: “Focus funding to enable the construction of new community health centres, bringing health services closer to people’s homes. These health centres will pioneer preventative healthcare, helping people live healthier lifestyles so that they are less likely to fall ill.”

Read the full manifesto for yourself here.

Brexit Party

Nigel Farage’s Brexit Party is standing in more than 300 seats across the country.

Its manifesto – which it calls a ‘contract’ – states:

A desire to ‘introduce 24-hour GP surgeries to relieve the strain in A&E departments’.
It also calls for ‘national debate’ on the NHS involving doctors, experts and the public, including a discussion on the ring-fending of the NHS budget and tax revenues that fund it.

Read the full document for yourself here.

Hopefully the above should help you to understand what the parties are saying about GP services as we approach polling day.

Keep an eye on the MDS site for news of any new policies or legislation that is introduced that impacts on GPs.

Private vs NHS work in a GP practice: What’s changed?

Private vs NHS work in a GP practice: What’s changed?

The rules surrounding private healthcare services delivered by GPs have now changed, amid fears of a ‘blurring’ of the lines between NHS and non-NHS work.

As part of widespread changes to the GP contract, NHS England has decided to ban the advertising and hosting of private GP services from April 1.

The 2019/20 GP contract states: “To safeguard the model of comprehensive NHS primary medical care, from 2019 it will no longer be possible for any GP provider either directly or via proxy to advertise or host private paid-for GP services that fall within the scope of NHS funded primary medical services.

“NHS England will consult in 2019 on expanding this ban on private GP services to other providers of mainly NHS services.”

What the changes mean for GPs

It’s important to recognise that this doesn’t bar GPs from all non-NHS work. Indeed, a full range of services – from medical reports for insurance to physiotherapy and signing passports will still be a natural part of life for a great many GPs.

However, this stops practices from being able to charge patients for services that are free under the NHS or to get quicker access to their GP. It’s about making it completely clear as to what is available under the NHS and what isn’t – and therefore incurs a charge to the user.

There has been a rise in private treatments offered by GPs in recent years. The Guardian reported that demand for this has been growing after cuts and cost savings instigated by the NHS.

Private providers have offered GP access

Online private GP services have sprung up to offer people out of hours access to a doctor over the internet.

These services are reportedly particularly popular among millennials, with many young people preferring to pay than wait for an appointment. Practice Business noted that three quarters of patients in a network of private clinics were aged between 20 and 39.

It quoted Dan Faber, founder, DocTap, as saying: “Patients are out of patience and they are no longer prepared to wait for or travel to an NHS appointment. They want to see a doctor on their terms and they want to choose the doctor that they want to see. It is clear that the existing NHS GP model is outdated and is unable to service the new millennial generation who want convenience.”

Confidence in the GP service

The NHS England and the British Medical Association in a bid to ‘maintain patient confidence’ in the GP service and set a clear distinction between what is and isn’t allowed.

Dr Richard Vautrey, chair of the British Medical Association’s GP committee, said: “While the BMA represents the breadth of the medical profession, including private practitioners, we have been concerned at the increasing blurring in recent years between NHS and private GP services offered to patients, particularly with the opportunities digital technology is providing.

“This change will provide clarity for patients about what treatment is available on the NHS and what they have the option of paying for privately.

“Both NHS England and the BMA want clarity for patients about what are free NHS GP services and what are not, and we are determined to maintain patient confidence in the integrity of general practice.”

GPs need indemnity for all of their work

The new rules offer a welcome clarification on the dividing lines between NHS and private work. This debate also goes to emphasise that there is much non-NHS work that naturally falls at the feet of GPs – work that will continue unchanged.

This is important to bear in mind when it comes to the new state-backed indemnity scheme, which only covers cases of clinical negligence that come from NHS activities within the scope of the scheme. That means that any non-NHS work is not covered by the Government’s scheme and this is one of the many reasons why GPs will still need to maintain their membership with an MDO.