Introduction

As an MDU member you can practise with confidence

We are a not-for-profit organisation dedicated to our members' interests. We are the market leader for medical defence in the UK with over 200,000 members.

We offer you expert guidance, personal support and a robust defence if your clinical competence or care of patients is questioned.

Our team is led and staffed by doctors with real-life experience of the pressures and challenges faced in practice.

We have an unmatched track-record of helping members overcome the challenges which could threaten their livelihood.

You can practise with confidence because we are on your side, and by your side.

This is your guide to MDU membership. It describes the main benefits and responsibilities of membership.

Benefits of membership

We are not an insurance company. If you ask us for assistance or indemnity, this may be provided, at our Board of Management's discretion, under our Memorandum and Articles of Association.

Except for professional indemnity claims arising from work done under an NHS primary care contract in England or Wales (excluding GP trainees)

The benefits we provide are on an occurrence basis which means you can ask for our assistance as long as you are (or were) our member at the time the incident happened. This applies even if you are no longer a member or have retired or stopped practising. Your estate can even ask for our help after your death.  Benefits are provided to GP trainees on an occurrence basis.

For professional indemnity claims arising from work done under an NHS primary care contract in England or Wales

We anticipate that a state-backed indemnity scheme for claims arising from primary care undertaken on an NHS primary care contract in England or Wales will be introduced in the near future. As a result we would expect much of the cost of claims arising from your year of membership to be assumed by the state-backed scheme, and so we are providing the benefits of membership relating to clinical negligence claims arising from such work on a 'transitional basis' until such a scheme is established. 

The transitional benefits will mean you can request assistance with claims arising from a specific incident as long as:

  • The specific incident happened while you were in active Transitional Benefits membership
  • You remained in active Transitional Benefits membership, or were in a period of Extended Benefit Rights:
    • When the specific incident was notified to us by you;
    • When you first requested MDU assistance with a claim arising from the specific incident; and
    • When the claim was being handled by the MDU.

Please see the transitional benefits section which explains in more detail the basis of transitional benefits for claims arising from work done under NHS primary care contracts in England or Wales.

Glossary

Assistance: Support we provide, which can include legal advice and legal representation.

Indemnity: Compensation we can provide for you to pay damages for clinical negligence.

Mutual fund: Money we collect in the form of members' subscriptions which we hold to defend our members and provide other membership benefits.

Special provisions: Where your access to our benefits of membership is tailored to your individual practice.

Vicarious liability: When you are legally responsible for the acts or omissions of people who work for you.

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