Full Member Insurance
The College of Paramedics provides Full Members with two key insurance solutions as standard:
Fitness to Practise Representation
All Full Members benefit from Fitness to Practise and malpractice insurance. If a complaint to the Health and Care Professions Council (HCPC), or a Court claim, should be made against you, your insurance will cover the cost of our expert Professional Discipline lawyers defending you robustly, whilst also providing pragmatic, sensitive advice to guide you through each stage of the process. :
- Access to legal helplines 24/7;
- Specialist legal representation at Fitness to Practise hearings;
- Legal expenses insured up to £100,000 for any one claim with a maximum of £150,000 per member in any period of insurance;
- Cover applies to complaints notified during the currency of the policy which runs for 12 months from 1st November each year;
- Incidents arising after HCPC registration, College membership or 1st November 2013 are included, whichever date is the later;
- The cover includes complaints involving professional misconduct, poor performance, serious criminal offences, alleged medical malpractice and the like (but does not include legal defence costs arising from criminal prosecutions).
Please see Related Downloads for more information, and review the Graybrook website, for full details of the policy terms and conditions*.
If you believe there is a need to self-refer to the HCPC, including requests from your employer, please contact the legal helpline via - 0333 999 9554 for initial advice, to establish whether the circumstances warrant self-referral. Members may also contact the 24-hour helpline via - 0800 0111001.
*In the event that a particular HCPC complaint or Court claim is not covered by your insurance, we can defend you on a direct instruction basis, offering a 25% discount on our standard hourly rates for College of Paramedics members in this situation.
Medical Malpractice and Public Liability Insurance
Since 1st of April 2015, all paramedics are required to confirm with the HCPC that:
- You have a professional indemnity arrangement in place which provides appropriate cover; or
- if you are not practising at that time, you understand the requirement and will have an arrangement in place when you begin to practice.
Most paramedics in the United Kingdom will have some sort of medical professional liability and public liability insurance through their employer. If registrants are working within their scope of employment, their employer should have appropriate indemnity arrangements in place to cover both themselves and their employees. This is true of both employment through the National Health Service (NHS) and the private sector. While all NHS employers, such as Ambulance Service Trusts are ‘vicariously liable’ for the actions of their employees and any claims arising from their wrong-doing while working within their scope of employment and while at their place of work, it is strongly advised that you check with your employer that such indemnity is current for the work undertaken. This is especially true within the private sector where the level of governance is not as robust as within the NHS.
The College of Paramedics Full Membership provides the following medical malpractice and public liability insurance as standard:
- £5 million limit per member;
- Evidence of Insurance Certificates available from the College of Paramedics on request;
- Samaritan Acts included;
- Full members covered for voluntary work or any paid work where total earnings do not exceed £5,000 per annum (excluding any NHS Work - contact Graybrook for wider cover);
- Worldwide cover (excluding the USA and Canada);
- Students covered for observation only electives in the USA and Canada;
- No cover provided for members full-time employment (contact Graybrook for wider cover);
- Excludes treatments of professional sportspersons and elite athletes when treatments are undertaken do not exceed 21 days in any 12 month period;
- Meningitis claims excluded unless the patient has been physically examined and members follow current NICE guidelines.
Please see Related Downloads for more information, and review the Graybrook website, for full details of the policy terms and conditions.
Professional Advisors are also available via - 01245 321185.
Other Optional Insurances
Members also have access to specialist insurance products from Graybrook, including:
- Medical Malpractice cover for members requiring their own additional individual cover.
- Criminal Prosecution insurance. As hands-on profession members are exposed to allegations of inappropriate touching and sexual behaviour which can result in criminal charges. This insurance provides legal advice and defence cover up to £100,000 from just £25 a year plus insurance tax.
For advice, further information, and to make an application, simply visit the Graybrook website.