Claims-made and claims-incurred cover

What if I am retired and have never had claims-made cover insurance?
Will I be eligible for ROCS if I have "claims incurred" cover with an Medical Defence Organisation?
Will I be eligible for ROCS if I have had both claims-made and claims-incurred cover?
Am I eligible for ROCS if I had discretionary "claims made" cover with an Medical Defence Organisation?

Claims-made and claims-incurred cover

What if I am retired and have never had claims-made cover insurance?

Yes. On 1 July 2004 there will be many retired doctors who are eligible for the ROCS whose entire medical career was covered by an Medical Defence Organisation under claims incurred arrangements. Doctors who have only ever had claims incurred insurance will not receive a formal notification of their eligibility for the ROCS.

Under the ROCS, any claims that may be made against these doctors are handled by their Medical Defence Organisation as usual, but the Medical Defence Organisations are reimbursed by the Government for the cost of these claims.

Will I be eligible for ROCS if I have "claims incurred" cover with an Medical Defence Organisation?

Yes. On 1 July 2004 there will be many retired doctors who are eligible for the ROCS whose entire medical career was covered by an Medical Defence Organisation under claims incurred arrangements. Doctors who have only ever had claims incurred insurance will not receive a formal notification of their eligibility for the ROCS.

Will I be eligible for ROCS if I have had both claims-made and claims-incurred cover?

Yes. For doctors who are eligible for the ROCS, medical indemnity insurers provide ROCS cover that reflects their claims-made arrangements and manage any claims that arise under that cover. Separately, Medical Defence Organisations will continue to manage (in the ordinary course of business) any claims that arise from a doctor's claims incurred cover. In both cases the costs of valid claims are funded under the ROCS.

Am l I be eligible for ROCS if I had discretionary "claims made" cover with an Medical Defence Organisation?

Yes, the ROCS covers claims relating to incidents that occurred when you had "claims-made" cover with an Medical Defence Organisation, if you are an eligible practitioner.
So if you leave private practice and move to the public sector, you will be covered by the ROCS for that private practice, but not for the public sector work (which would be indemnified by the public sector employer).