- NHS Resolution schemes cover clinical negligence claims for NHS work in England; separate arrangements exist in the other UK nations.
- Most doctors still join a medical defence organisation for GMC investigations, inquests, disciplinary support and advice.
- Doctors doing private work need their own indemnity.
- The GMC requires that you have appropriate cover before you practise.
What is covered, and what is not
- NHS clinical negligence schemes cover claims about NHS care, but do not cover GMC fitness-to-practise proceedings, inquests, disciplinary advice or complaint support.
- Each UK nation runs its own scheme for NHS care; cover for GPs and trust-employed doctors is arranged differently.
- Private work, Good Samaritan acts, medico-legal reports and some roles need separate indemnity.
The three major UK defence organisations are the MDU, MPS and MDDUS. Compare benefits and costs; many offer discounts to doctors in training.
This page is general education, reviewed 24 October 2026. Rules, fees and dates change: always confirm with the official sources below. It is not medical, legal or immigration advice.