Fact 1
We’ve been supporting doctors in Hong Kong since 1954, as the leader in medical defence.
Insurance companies offer insurance, using fixed terms and conditions with a limit on how much they cover and an excess to pay.
We offer discretionary medical indemnity which has no financial limits and no excesses, providing you with comprehensive protection and peace of mind.◊
Our discretionary approach to providing assistance isn’t about being able to say no...
...it’s about having the flexibility to ask ourselves ‘how can we help?’
We are different because we’re informed by the expertise and combined wisdom of your peers: doctors and legal experts who know your healthcare system. We take a flexible, adaptable approach to protecting you in a fast-moving, ever-changing environment. Our approach is fair, considered and empathetic.
Discretion means we have the freedom to consider unusual requests for help; we have informed experts exercising good judgment and insight; and we have flexibility to respond to unforeseen changes in the medicolegal environment.
Clinical negligence is a specialist area of expertise and is very different to areas covered by traditional forms of insurance, such as car or household cover. It can be – and often is – several years between an incident taking place and the resulting claim emerging.
The medical industry is continually changing and is rarely straightforward; new challenges and issues constantly arise, some of which were inconceivable just a few years ago. Discretion means we can offer help in unusual circumstances or where a new problem appears. It's why we use people, not contracts, to make these decisions.
We’re different in that we treat every case on its individual merit, and, because we are a discretionary organisation, our starting point is always 'how can we help?'