QUESTIONS AND ANSWERS

As a member of a mutual organisation, your risk experience is pooled with peers working within the same area of practice in South Africa.

However, we proactively work with members whose claims experience is higher than their peers, to reduce their risk and when necessary, pay a subscription in that reflects their level of risk.

State indemnity will only cover the financial consequences of a claim for clinical negligence. The purpose of state indemnity is to ensure public patients are compensated if they suffer harm, rather than protect you or your professional interests.

As a member-owned, not-for-profit organisation, we have an obligation to price responsibly, in order to meet both your present and future indemnity needs.

Detailed and robust actuarial work is undertaken in assessing trends in the costs of providing non-claims related assistance to dental professionals in South Africa.

We build this into subscriptions so that we have enough funds set aside as reserves for future assistance. This means we can be confident of being there for you, long into the future.

Unlike other providers, we strive to be a genuine partner in your career, offering protection through partnership.

Our in-house experts assist with the wide range of legal and ethical problems that can arise from your professional practice.

This includes complaints, HPCSA inquiries, legal and ethical dilemmas, disciplinary procedures, and police investigations.