Dental professionals

An integrated solution

The MDU provides a comprehensive integrated solution to meet the clinical indemnity needs of companies through its corporate and individual membership.

A prerequisite of the corporate indemnity policy is that all clinicians must have in place appropriate individual indemnity arrangements. The MDU can provide separate insurance cover for doctors and dentists for their work for the company, via individual membership of the MDU.

We believe that there are some important reasons why clinicians should be protected through the MDU's individual indemnity policy.

• Having all of its practitioners as MDU members, provides a company with certainty that its clinical indemnity needs are covered.
• It should minimise conflicts when claims affecting both individuals and the company arise, as many of the policy definitions are common between the individual policy wording and the corporate policy wording.
• It should minimise costs and delays in handling claims as it is under "one roof" and with the same underwriters.
• As members of defence organisations other than the MDU do not receive a policy of insurance (instead relying on discretionary assistance), there is a risk that if discretion does not respond, a claim may be made against the company directly.

What if not all doctors and dentists are MDU members?

We recognise that some clinicians are reluctant to change long standing relationships with other defence organisations. This can be addressed in two ways.

One approach is dual membership. The doctor or dentist can decide to stay with their existing defence body for their outside work, but join the MDU to cover only the work they do for the company. Such an approach would allow the company to benefit from the most competitive corporate membership subscription as all of the risk would be organised through the MDU.

The other approach is that the clinician can stay with their existing defence organisation for all of their work. In this instance, the price of the corporate membership would be likely to be higher.

How to apply