The situation
A private clinic held medical malpractice cover in the entity's name. Practitioners working on a visiting or sessional basis assumed they were covered by it, but the wording insured only the clinic's liability for its employees and the doctors named in the schedule. The licensing requirement for cover in the practitioner's own name had been met with certificates that had since expired. Some of the procedures actually being performed fell outside the declared scope of practice, and aesthetic work carried an exclusion nobody in the administration had read.
What we did
We listed every practitioner, the category on their licence and the procedures each actually performs, then matched that against the scope declared on the policy. The entity cover was rewritten to name sessional practitioners, individual cover was arranged in the doctor's own name where the licence requires it, and the excluded procedures were either brought in on agreed terms or dropped by the clinic. Retroactive dates were aligned between the entity and the practitioners so no year sits uncovered, and renewal of the individual certificates was tied into the clinic's licensing file.
- Sector
- Private Healthcare
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