Indemnity and insurance

• Doctors in the UK must have adequate indemnity for their work. For NHS employment, your employer usually covers NHS work.
• Many doctors also join a defence organisation for advice and for work outside the NHS.
• Check what each layer covers, and tell your provider if your work changes.

Questions to ask

• What does my employer’s cover include and exclude?
• What extra cover do I need for locum or private work?
• How do I report an incident or complaint?

This page is general education, reviewed 27 October 2026. Rules, fees and dates change: always confirm with the official sources below. It is not medical, legal or immigration advice.