This scheme is designed for those pharmacists who have commenced their work in a GP practice for the first time prior to April 1st 2019.
This scheme combines two elements of cover. One is designed to provide comprehensive PDA membership benefits whilst wrapping around the CNSGP scheme which only operates in England and Wales, resulting in significantly reduced indemnity premiums.
The second provides indemnity ‘Run Off’ cover though a ‘members of scheme’ for incidents occurring prior to 1st April 2019 as these are not covered by CNSGP.
The first element provides a layer of independent indemnity cover for those activities covered by the CNSGP as well as medico-legal protection which is not provided by the State backed indemnity scheme (CNSGP).
Wrapping around the State backed indemnity scheme known as the Clinical Negligence Scheme for General Practice (CNSGP) by providing up to £250,000 of indemnity in a GP practice for each member for each year. This membership scheme enables the PDA to engage in the active defence of the member in the event of a claim. (only applicable in England and Wales for indemnity claims that would be covered by CNSGP). It also provides £500,000 of legal defence costs for each member for each year to support pharmacists in medico-legal proceedings in the event of GP practice based incidents as these are not covered by CNSGP. Additionally, it provides a choice of either £5 or £10 million of professional indemnity and public liability cover for each member for each year for any portfolio work undertaken in any other sectors of pharmacy.
The second element relies upon a ‘members of scheme’ for ‘Run Off’ with a combined scheme limit of £30 million per year in total to be shared by all members of the scheme which is subject to a maximum individual limit of £10 million per member.
This scheme provides ‘Run Off’ cover for any historical liabilities which go back to incidents that occurred prior to April 1st 2019 but for which claims emerged after that date as these will not be covered by CNSGP.
The combined scheme provides a choice of Clinical and Senior Clinical level of cover as well as an option for with and without IP