Wants to work in UK? Get Insured!

Some nurses desire to work in UK.  With the wide variety of jobs available such as specialist nurses, school nurses, paediatric nurses, and midwives, other nurses have thought of travelling to UK to earn money. But doing so needs a lot of requirements. Some of which are professional registration with a regulatory body, passing the IELTS (for non-EU nurses), having work permits, and some institutions may require you an insurance.

Although a professional indemnity insurance is not compulsory for all nurses. It is, of course, highly recommended. This kind of insurance generally protects you from civil liability claims usually made against you due to professional services. Some civil liability claims include but are not limited to: an adverse outcome for a patient, an error seen in your part while doing your service, and breach of patient’s confidentiality. Other unintentional practices are also part of these claims which will be covered in your insurance once you have one.

Professional indemnity insurance will also cover you if you are injured while at work. If you are also registered with the Nursing and Midwifery Council, the organization will help you and advise you regarding insurance options.

If you are covered by an insurance company, it wouldn’t be hard for you and your future employer if something happens along the way. In fact, it is now part of the national registration which states:

“Nurses and midwives must not practise their professions unless they are covered in the conduct of their practice by appropriate professional indemnity insurance (PII) arrangements.”

A copy of the entire registration standard can be downloaded from http://www.apna.asn.au/lib/pdf/Careers/insurance/Professional%20indemnity%20insurance%20GUIDELINE.pdf. 

Do you have your own nurse insurance?

Many nurses have certainly asked themselves “Should I have a malpractice insurance?” Although a number of nurses are already covered under their individual liability insurance, many more are still not.

Nurses who practice risky medical operations most often face the fear of being sued at any time and for any reason. At times, these unfounded allegations can bring lawsuits which will make your stressful life even more stressful. Apart from the hassle and cost it will give you, it will surely damage your reputation.

Most employers provide insurance to its employees but only to a certain point. Because admit it or not, even though your employers care for you and its policy covers you, the policy is created to fit the company’s needs and protect them FIRST.

But once you carry your own policy and you are protected by your insurance, you will be ensured that you are well represented and your interests are best protected. So, if you’re starting to think of an insurance company which will suit your needs, here are some:

• www.hpso.com
• www.cnahealthpro.com
• www.cmfgroup.com
• www.nursingworld.org

These insurance companies offer a variety of insurance packages and will surely assure you of License Protection. They will save you from legal and other claim-related expenses. They will provide you with a legal defense team to protect you from assault, abuse, and sexual misconduct. They also offer legal defense against discrimination allegations.

Like any other professionals, nurses face daily risks too. It is important you find an insurance company which will give the best coverage package you need. You can still look for many others in the internet.