Amendments from 1st June 2018 to Block Insurance Cover provided for Full and Student Members of the College of Paramedics
The College has for several years provided full and student members with a Block Medical Malpractice and Public Liability insurance scheme as a membership benefit. The scheme is managed by Graybrook Insurance Brokers on behalf of the College, which enables the College to provide cost effective cover for its members. It is however necessary from time to time to review the policy and incorporate changes which provide greater clarity on the cover provided.
Members should take note the changes that will take effect from 1st June 2018 will include the following:-
- Insurers of the Block Scheme will change from Hiscox to Allied World
- The Block Insurance Scheme which is provided as a membership benefit, was originally designed for claims arising from Good Samaritan Acts only. It has since been extended to include Voluntary Work, and a limited scope of paid work outside of the member’s main employment. The Block Scheme was never intended or designed to be used for care or services commissioned by the NHS. To clarify this position, the policy will state that from 1st June 2018, any activities funded or commissioned directly or indirectly by the NHS (including but not limited to Urgent Care/Walk-in Centres/GP Practices etc.) will be excluded. This will affect all members who are working as PAYE employees, self-employed practitioners, agency workers or independent contractors. Separate insurance is available for members engaged in these activities from the College’s insurance brokers, Graybrook, details of which are available from www.graybrook.co.uk/paramedicinsurance.
- The Elite Athletes Exclusion will also be modified to exclude claims arising from the treatment of Professional Sports Persons or Elite Athletes, where members are retained to provide Paramedic services for more than 21 days in total in any 12 month period. This is less restrictive than the current Exclusion, which does not cover any treatments rendered under “any contract or agreement”, and will permit treatments as before undertaken on an ad hoc basis.
- Any repatriation work will now be the subject of a sign-off by a qualified medical doctor, confirming that the patient is fit to travel.
- Cover is extended to a Worldwide basis (ex USA and Canada) provided all claims are brought within the jurisdiction of a UK Court, or Courts within the jurisdiction of the Isle of Man or Channel Islands. Cover will continue to apply in the USA and Canada for observational clinical placements only.
- The HIV Exclusion which appears in the current policy will no longer apply from 1st June 2018.
- The limit of indemnity remains at £5 million in total for all claims brought against any member under the policy in any period of insurance.
It is important that Graybrook are notified of any circumstances or potential claims on which members have knowledge in order that they can be registered with Hiscox prior to termination of the current policy. It is not possible to insure any existing known claims or circumstances likely to give rise to a claim under the new policy.