The new scheme came into effect on 20 June, 2016.
In recent years Aon has received many requests from Singapore doctors for an alternative protection against malpractice claims. SMI is our response to the need for a malpractice protection that combines occurrence-based cover with the certainty provided by an insurance contract that includes a written policy document.
Aon Singapore acts as an independent insurance broker on behalf of Singapore doctors who wish to take up cover.
SMI is underwritten by the Medical Professional Liability Company, on behalf of Lloyd’s Underwriters, London who carry a Standard and Poor’s rating of A+.
Each SMI policy covers the individual doctor or dentist for claims arising from medical practice anywhere in Singapore.
The key protection is for claims brought against doctors or dentists alleging negligence in the provision of medical treatment. In such cases SMI will cover the cost of appointing legal counsel to defend claims, the amount of any settlements, and court awards of judgments and costs. A copy of the SMI policy wording is available for your review in the Resources section of the Aon SMI website, at
www.aonsmi.com
Yes. Protection for the costs of dealing with any SMC complaints against you including legal representation at a Singapore Medical Council Disciplinary Tribunal hearing arising from treatment provided by a doctor or dentist is included under SMI.
The standard protection provided by SMI is for medical care provided in Singapore. Should you require cover for offshore work please contact the Aon SMI Service Team to discuss.
SMI provides protection on an occurrence basis. This means that you continue to be covered into the future for claims arising from treatment provided whilst you were covered by SMI. For further details, please see the discussion on occurrence and claims-made protection in the Resources section of this website.
Notification of both claims and potential claims under your SMI policy may be made through the ClaimPro on-line reporting system. In order to access the system, please select the Report A Claim tab. A manual providing instruction on how to use the ClaimPro system is also provided in the Resources section of this website.
Within 48 hours of making a notification, an Aon SMI representative will contact you to discuss your notification and agree the next steps. Aon will then guide you throughout the claim process to the final resolution of the claim.
Yes, where required, Aon has a panel of SMI-approved law firms, all of whom have substantial experience in managing malpractice claims.
SMI provides access to a 24-hour legal support service for Singapore doctors and dentists. Please call 800 120 6238.
No. There is no deductible under SMI, so doctors and dentists are not required to contribute anything to the cost of investigating, defending or settling claims.
Should you require a certificate to provide evidence that you are protected by a Medical Malpractice Insurance policy, please contact the
Aon SMI Service Team, whose details are set out above.