Professional Medical Indemnity Insurance

Opened the debate

Paul Beresford raised concerns about professional medical indemnity insurance, highlighting the differences between discretionary and contractual indemnity providers. He argued that discretionary indemnity should be abolished as it can result in professionals being left without support when sued. He also discussed a consultation on fixed recoverable costs for lower value clinical negligence claims, expressing concern over inflated claimant legal costs which are increasing indemnity premiums for dentists and other healthcare professionals.

Government Response

Maria Caulfield acknowledged the importance of patient safety and the need for adequate indemnity cover for healthcare professionals. She noted that state indemnity covers NHS staff, while independent sector workers rely on discretionary indemnity, which has been problematic as highlighted by the Paterson inquiry. The minister committed to reviewing the Paterson recommendations and considering legislative changes if necessary. She also addressed concerns about rising legal costs in clinical negligence claims, stating that fixed recoverable costs would be introduced for lower value compensation payments to reduce these costs without affecting patient compensation amounts. Caulfield assured the lead MP of her commitment to addressing gaps in indemnity cover.