Switching Insurers

Joining PMP from a Medical Defence Organisation:

The MDU cover is similar to PMP in that it operates on a claims made basis whilst you are covered by the insurance policy the MDU take out on your behalf. When you move to Premium Medical Protection from the MDU, your policy can cover you for claims arising from circumstances of which you were unaware when you left the MDU but which arose from procedures undertaken during your period of MDU membership.

Your 'Premium Medical Protection Policy' will have a retroactive date, which will be the date when you first started continuous "claims made" cover with the MDU. This important step ensures you have continuous guaranteed cover. The MDU only gives you discretionary cover when you leave them. The MDU themselves state on their website that "The MDU believes discretionary cover alone is no longer sufficient". We agree! That's why we backdate cover.

For many 'Premium Medical Protection' members the retroactive date will be when the MDU first introduced insurance policies, provided there has been no breaks in your membership of the MDU since this period began.

If you joined the MDU more recently, the retroactive date on your Premium Medical Protection Policy will be the date you first had an MDU policy.

Joining PMP from the MPS and MDDUS:

The MPS and MDDUS offer discretionary indemnity. Provided you were a member in benefit at the time of an adverse incident you can apply for assistance at any time, even if you have moved to Premium Medical Protection at the time you are first aware there is a problem. Any assistance given by MPS or MDDUS will be on a discretionary basis.