This is specifically designed to provide members with:
- The cost of legal representation
- Associated costs, e.g medical reports, expert witness statements, toxicology reports, chemical analysis, conferences with leading counsel, expenses, etc.
- The payment of any compensation awards made against the member in respect of:
- Committing an act of negligence, error or omission
- Providing wrongful advice
- Breaching confidentiality
- Committing libel or slander
Any of which results in bodily or mental injury, sickness, disease or death – this is called medical malpractice.
Examples where medical malpractice can occur include:
- Errors or omissions in prescription interpretation, wrong dosage, strength or form given
- Dispensing, labelling, delivery, dilution, formulation, preparation
- Counter prescribing, the running of clinics, advising patients and other healthcare personnel
- Providing consultancy services to GP practices, hospices and others
- Providing an increasingly clinical service in either primary or secondary care settings
The list is not exhaustive
Cover is also extended to any Good Samaritan acts, e.g. offering first aid assistance at a motor accident or performing resuscitation on a member of the public who was in need of it.
Choose a P.I. scheme relevant to your particular type of activity
Owing to the very wide range of activities undertaken by pharmacists, the risk profiles will be different and this will be reflected in the insurance premium that is paid for PI insurance. Several different insurance schemes* are available to PDA members, each of which will cover a particular set of activities by providing a different level of cover.
*The insurance included with PDA membership is arranged and administered by The Pharmacy Insurance Agency (PIA) Ltd who are authorised and regulated by the Financial Conduct Authority (Register No 307063).