The protection offered by indemnity insurance is important for oral health professionals

This includes dental therapists and dental hygienists and NZ Dental & Oral Health Therapists Association urges members to take out their own personal cover.

Oral health professionals are well versed with the concept of risk assessment. You do this daily whether it is in form of caries risk assessment or periodontal risk assessment . The concept of risk is not new and another risk that is probably rare but important in your professions is the risk of litigation.

As a regulated healthcare professional, you can be found legally responsible (or liable) for the professional errors, omissions, and negligent acts associated with your practice as a Dental Hygienist, Dental Therapist or Oral Health Therapist.

Be aware. Be protected.

The table below a very well-known risk assessment matrix used widely in the health sector and while you may think that risk of litigation in your line of work us rare; the consequences can be classified into the high to extreme risk categories.

Every organisation or practice takes out indemnity insurance and when things are going well, you will not need to use indemnity insurance. However, if you are found to have acted in a manner unacceptable to Dental Council practice standards or the Health and Disability codes, the costs associated with finding legal representation is not likely to be covered by your practice or your organisation.

This is why you require Professional Indemnity Insurance (PII), which provides coverage to respond to claims that may arise out of your professional practice. If a claim is brought against you, PII will protect you by ensuring that your legal defence is coordinated and paid for. Your PII also covers the cost of patient compensation, or damages. This means that your patients’ interests are also protected because your comprehensive PII offers them timely access to compensation for valid claims.

We got your back!

If a claim is brought against you, you will want assurance that you have the best coverage and defence available to protect your reputation, livelihood, and finances. NZDHA & NZDOHTA has undertaken significant efforts to ensure that the insurance programme now available to members includes the coverage limits and enhancements needed to give you peace of mind. Ensuring you have a comprehensive professional indemnity insurance policy is vital. It’s easy to get bogged down in the details and if we’re honest, we sometimes don’t look too carefully because insurance policy fine print can be overwhelming. There are also so many considerations as well as possibilities that we might never contemplate.

This is where NZDHA & NZDOHTA comes in handy. We look at all the possibilities. We talk to the insurance experts and we have now developed an insurance package based on what will offer members the best protection, both now and long after you retire. Working in partnership with BMS Group we have developed an insurance package that not only provides you with that all important comprehensive coverage, appropriate training opportunities, but also, at competitive rates.

This page contains general information, does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from BMS Risk Solutions Pty Ltd on request. BMS Risk Solutions Pty Ltd (ABN 45 161 187 980, AFSL 461594) arranges the insurance and is not the insurer.