Following in-depth discussions and a review of the industry specific guidance that has been published, Hamilton Fraser Cosmetic Insurance and Cosmetic Insure can now provide the following guidance to the medical aesthetic sector relating to medical indemnity/malpractice insurance policies.
Before you make any decision to reopen you should carefully consider all of the applicable guidance issued by the Government, Public Health England, the NHS and any additional guidance issued by your regulator(s) or professional body, Chief Professional Officers or any other relevant or applicable guidance.
You should ensure that:
- You remain a Registered Professional Healthcare provider;
- You adhere to (or by virtue of your professional body advice, exceed) the requirements of any applicable guidance, including that issued by or on behalf of the Government and Public Health England, and that you take into account (where appropriate) nuances in the guidance that is relevant to Scotland, Wales and Northern Ireland, where devolved positions may differ;
- You carry out an informed and documented risk assessment in relation to COVID-19, the risks that it poses and the consequent need, amongst other things, for stringent hygiene measures, the use of personal protective equipment and the need for appropriate social distancing; and
- You undertake a full patient selection and consent process for each treatment you undertake which should include questions relating to COVID-19 vulnerable and self-isolating individuals;
If, after considering this joint statement, any applicable guidance (including the guidance mentioned above) you take the decision that you are permitted to reopen and that it is safe and appropriate for you to do so then (provided that your decision was correct and there have been no other material changes which you should tell us about) your insurance should, subject to the usual terms and conditions, consider claims in the usual way.