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FAQs

OTHER THINGS TO KNOW

Medical indemnity is a complex topic so we have listed some of the questions we are frequently asked. If the answer you are looking for is not detailed below, please call us on 01926 679701 or email on info@primusindemnity.co.uk and we will be happy to help.

WHAT’S TWO MINUTES OF YOUR TIME REALLY WORTH?

It takes two minutes to complete the Primus Indicative Premium Form. We will then review your information with our panel of carefully selected Insurers

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Am I legally required to have medical indemnity insurance?

If you are providing any Private Practice services or Medico Legal reporting then the GMC requires you to have the relevant medical indemnity in place. Please see the GMC website for further details.

Will my independent / private hospital recognise the policy provided by Primus

Yes. The policies offered through Primus meet the requirements and are in use at all of the major private hospital groups in the UK.

What is the limit of indemnity?

The standard limit of indemnity is £10,000,000 as specified by all major hospital groups. Other limits of indemnity are available upon request.

Why should I get an Indicative Premium rather than a full quote?

Obtaining a full quotation can take time in terms of completing the relevant application form. Completing the Indicative Premium Grid takes two minutes and allows us to identify the best insurer for you, providing you with an indication of the premium and the saving available. You can then invest your time in completing a single application form, knowing that it will be time well spent.

How quickly can indicative premiums and quotations be provided.

Indicative premiums and quotations can be turned round in a matter of hours if urgent. The normal timeframes are approximately 24 hours for indicative premiums and 48 hours for full quotations.

How is a quotation calculated

The underwriters used by Primus don’t quote based on earnings bands, they look to understand you as a consultant, the work you do and more importantly the work you don’t do, along with your claims history and experience. By taking the time to fully review your profile, it allows them to provide a quotation that is specifically for you and has provided average savings of over 20% over the past 3 years.

Will my premium increase next year?

Predicting your premium for next year is difficult due to the everchanging medical indemnity market and also the changing profile of consultants. However, any increases do tend to be in line with earnings / procedure increases and having achieved a renewal rate of over 98.1% we believe the renewal terms offered continue to be competitive and offer good value to our clients

What is included in a policy offered through Primus.

The policies offered by our panel of insurers are the strongest in the market, with further details of the cover available here. Having reviewed your information with our panel of insurers, when we present the most competitive premium to you we will include all details relating to the policy and full policy wordings.

Is the policy provided on a Claims Made or Claims Occurred basis?

Primus only offers cover on a contractual Claims Made basis, as we believe this to be the strongest way to protect our clients. Further details of how Claims Made policies provide cover can be found on the simple switching page

Can you include cover for my limited company?

Cover can be included for limited companies at no extra cost, providing the company is set up for fiscal reasons and no other healthcare practitioners are involved. If the company is not set up for fiscal reasons, cover can be provided but there may be a charge for this.

Do you cover professional athletes?

Cover can be provided for treatment of professional athletes, with the exception of footballers playing in the English Premier League.

Am I covered for Good Samaritan acts?

Yes, you receive worldwide coverage for Good Samaritans acts with all of the policies offered.

Am I covered for work overseas?

The standard jurisdiction for the policies provided is United Kingdom, Channel Islands and the Isle of Man. International coverage can be provided in respect of charity work and other private work, but this should be highlighted when applying for cover as charges may apply.

What happens if I move to another indemnity provider

We hope that the strongest policies, most competitive premiums and our personal service means you will want to remain with Primus, but should you decide you wish to leave there is nothing stopping you. With retroactive cover available from all indemnity providers, you could switch to any of them and still have seamless cover.

What happens when I retire?

When you retire, the “run off” or “tail cover” element of the policy as it is sometimes known would become active, ensuring that you are covered for a minimum of 21 years for any new claims that arise. Further details of this are available on the seamless switching page

Can I spread payment throughout the year?

When making payment for their medical indemnity, consultants have the option to pay either by bank transfer or by a finance agreement. The finance agreement spreads payment over 10 months and is subject to a 4% charge.

When does payment have to be made by?

Payment can be made anytime up to 14 days after the policy has been incepted.

"It was with pleasure that I took out my indemnity through Primus once more this year. Not only have they again provided a very competitive quote, and certainly much better than those of traditional indemnity providers, but they have acted with efficiency and professionalism throughout. I would be happy to point any of my colleagues to Primus."
Mr D Beattie, Consultant General Surgeon, Nuffield Health Chichester Hospital

"I switched to Primus as I received not only a competitive quote, but a very efficient and hassle-free service. Mark was extremely helpful through the whole process and answered any queries to ensure it is an equivalent quote in terms of cover and helped fill out the forms and made the process quick and easy. Primus also provides the EIDO patient information leaflets which some Consultants may find useful."
Miss A Kothari, Consultant Gynaecologist, BMI Clementine Churchill Hospital

"Primus have been pivotal in securing cover and providing my indemnity needs at short notice. Transparency in all communications, together with clarity of explanation of this complex arena raises them head and shoulders above all insurers that I’ve had dealings with to date. Bespoke, representative and robust cover, with highly competitive costings have been key features from my perspective. Mark has been with me all the way on this journey and I look forward to working with Primus in a long future."
Mr I Walsh, Consultant Urologist, Kingsbridge Private Hospital

"My move across from the MPS to Primus was so easy, with cover arranged within a day. I am delighted with the competitive price of cover, my monthly indemnity payment has fallen by almost £1000."
Professor T Magee, Consultant Vascular Surgeon, Spire Dunedin Hospital

"Primus have proven to be so much better than the established, international medical indemnity society that I was previously with. I would encourage colleagues to not just blindly keep renewing with the traditional providers and to see how more competitive, reactive and efficient Primus are."
Mr H Malik, Consultant Trauma and Orthopaedic Surgeon, Medico-Legal Specialist, Manchester

WHAT’S TWO MINUTES OF YOUR TIME REALLY WORTH?

It takes two minutes to complete the Primus Indicative Premium Form. We will then review your information with our panel of carefully selected Insurers

Get Quote

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Primus Medical Indemnity Ltd
Lake View House,
Wilton Drive,
Warwick,
CV34 6RG.

Primus Medical Indemnity Ltd are Authorised and Regulated by the Financial Conduct Authority.
Primus Medical Indemnity Ltd are registered in England & Wales at Lake View House, Wilton Drive, Warwick, CV34 6RG
Companies House Registration Number 08966062
© 2014-2024 Primus Indemnity

WHAT’S TWO MINUTES OF YOUR TIME REALLY WORTH?

It takes two minutes to complete the Primus Indicative Premium Form. We will then review your information with our panel of carefully selected Insurers

Get Quote

FAQs

Indemnity Requirements

Indicative premiums, Quotations and Renewal Quotations

Policy details

Changing providers and retirement

Making payment