Thank you for your interest in an insurance policy arranged through Medisec Ireland CLG, underwritten by
MedPro. [1] Please read the following information before proceeding with your proposal.
If you are an Oral and Maxillofacial Surgeon, please contact Medisec as you are required to complete a Consultant Proposal Form
1. Disclosure
You must provide complete and accurate answers (acting honestly and with reasonable care) to the questions we
ask you when you purchase a policy for the first time, make changes to your policy, or renew your policy.
Insurance is based on the information that you give to the insurer and if this information is wrong or incomplete,
there may be adverse consequences: claims may not be paid in full or at all, your policy may have special terms
imposed or be cancelled, your policy may be voided, and the premium paid may not be returned. If you are in doubt,
please seek independent advice or contact us for clarification.
You must provide us with a “fair presentation” of the risk. This is one:
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which discloses every “material circumstance” which you know, or
ought to know, or which puts the insurers on notice that it needs to make
further enquiries for the purpose of revealing those material
circumstances, and
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in which every material representation as to a matter of fact is substantially
correct, and every material representation as to a matter of expectation or
belief is made honestly and with reasonable care.
A “material circumstance” is one which would influence the judgment
of a “prudent insurer” in fixing the premium or determining whether
to cover the risk. You must answer all questions posed by the insurer honestly and with reasonable care.
You must answer all questions posed by the insurer honestly and with reasonable care.
You must (acting honestly and with reasonable care) make this disclosure in a manner
which would be reasonably clear and accessible to a “prudent insurer”.
Once the policy has come into effect, the policy itself contains specific terms requiring
you to notify us in a timely fashion regarding any claims or potential claims. Once the
policy has come into effect, you must cooperate with the insurer in the investigation of
insured events, including by responding to reasonable requests for information in an honest
and reasonably careful manner. Additionally, if, after a claim has been made under a policy,
you become aware of information (including information that would otherwise be subject to privilege)
that would either support or, as the case may be, would prejudice the validity of your claim,
you shall be under a duty to disclose such information to the insurer. The proposal must be completed by the proposed individual and all questions must be answered.
2. Adequate cover
You must ensure that you have adequate cover in place for the sessions and hours
you are working. Prior to taking on any new duties or sessions, make sure that your cover
is extended with Medisec and MedPro in advance.
3. Your Data
We will only use your information insofar as it is necessary to administer your Medisec membership
and to provide membership services, to administer your insurance contract or in connection with a claim.
Please see Medisec and MedPro’s respective Privacy Notices for more information on how we handle your data.
4. Formalities
Medisec Ireland CLG (Medisec) is a private company, limited by guarantee, having its registered office at 7 Hatch Street Lower, Dublin 2. Registered in Ireland No.216570. Medisec is regulated by the Central Bank of Ireland. The Dental Practitioner Policy Product is distributed by Medisec as an intermediary and is underwritten by Berkshire Hathaway European Insurance Company DAC,trading as MedPro, which is authorised and regulated by the Central Bank of Ireland (C182407)
5. Additional Documents
Please note, once you start this application process you will have to complete without leaving the page.
6. Confirmation
