Thank you for your interest in an insurance policy arranged through Medisec Ireland CLG (‘Medisec’), underwritten by MedPro. Please read the following information before proceeding with your proposal.
1. Disclosure
You have a duty under section 7 of the Consumer Insurance Contracts Act 2019 to provide accurate answers to the specific questions posed by an insurer honestly and with reasonable care (by reference to the ‘average consumer’) to the questions we ask you when you purchase a policy for the first time, make changes to your policy, or renew your policy.
An "average consumer" is defined as someone who is reasonably well-informed, reasonably observant, and circumspect, in terms of Consumer Insurance Contracts Act 2019 (CICA). This definition is used to determine the level of understanding and care expected of a consumer when entering or interpreting an insurance contract.
Insurance is based on the information that you give to the insurer and if this information is wrong or incomplete, or a fraudulent misrepresentation which is known to be false or misleading, or consciously disregarded whether it is false or misleading, 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, and voided. If you are in doubt, please seek independent advice or contact us for clarification.
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 would prejudice the validity of your claim, you shall be under duty to disclose such information to the insurer.
The proposal must be completed by the proposed individual and all questions must be fully 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 below for more information on how we handle your data and our respective disclosure obligations.
4. Delegated Authority
Medisec has limited delegated underwriting and claims handling authority in its capacity as MedPro’s insurance intermediary. Please refer to Medisec’s Terms of Business and Privacy Policy below which sets out our disclosure obligations to you and MedPro.
5. Regulatory information
Medisec Ireland CLG is a private company, limited by guarantee, having its registered office at 7 Hatch Street Lower, Dublin 2. Registered in Ireland No. 216570. Medisec Ireland CLG (trading as Medisec Ireland) is regulated by the Central Bank of Ireland. Medisec’s risk, education and medico-legal advisory services are not regulated by the Central Bank of Ireland. The Non-Consultant Hospital Doctor Medical Malpractice 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).
6. Additional Documents
Please note, once you start this application process you will have to complete without leaving the page.
7. Confirmation
