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Medical malpractice insurance

Medical malpractice insurance

The Royal College of Midwives can now, in some circumstances, provide medical malpractice insurance for members undertaking international placements. This medical malpractice insurance does not cover you to undertake any kind of hands on midwifery practice. Cover is provided on the understanding that placements are observational only in practice areas. Cover is not automatically provided for international work and you must liaise with the RCM in order to receive confirmation of cover under our insurance policy.

Members must contact the RCM on an individual basis, with details of the international placement, and the RCM will liaise with our insurance company to determine if we are able to provide medical malpractice insurance.

This is in addition to normal travel insurance which members must acquire for themselves, and members must check the terms and conditions of this travel insurance carefully.

Please be aware that midwives and student midwives undertaking observation placements must not provide healthcare services of any kind. There is no legal obligation for anyone, whether they are a healthcare professional or otherwise, to provide any assistance in a medical emergency and any assistance would not be covered by RCM insurance.

Student Members

Overseas elective placements can be complex in nature so RCM insurance cover does not automatically cover these placements, and there is no guarantee that insurance cover will extend to such placements. Student members can, in some cases, be insured for overseas electives as long as they are observational only. Students should not at any time provide healthcare services on their placements. To obtain confirmation of cover under the RCM medical malpractice insurance, members must contact us at rumena.begum@rcm.org.uk / membership@rcm.org.uk and provide the following details:

  • The country of placement
  • The length of duration of the placement
  • Details of the nursing and or midwifery services being provided and if the services will be observational or hands on
  • Details of the insurance arrangements of the sponsoring organisation.                                             

Qualified Midwives

Overseas voluntary work/teaching assignments can be complex in nature, so the insurance cover provided by the RCM does not automatically cover this liability and there is no guarantee that insurance cover will extend to such assignments. Qualified midwives may be covered by the RCM medical malpractice insurance, but members must contact us at rumena.begum@rcm.org.uk / membership@rcm.org.uk and provide the following details:

  • The country of placement.
  • The length of placement.
  • Whether the placement is observational only or hands-on.
  • Details of the nursing or midwifery services being provided.
  • Details of the insurance arrangements of the host organisation.

In order for the RCM to provide medical malpractice insurance we must receive a guarantee that your host organisation (the hospital you are working with, your sending organisations, etc.) will assume responsibility for your actions in the first instance. Our insurance provision is contingent on receiving this guarantee.

In order to undertake hand-on placement overseas, you may be required to register with the Nursing and Midwifery Council in your country of placement. To do this, you must be an up-to-date registrant on the Nurses and Midwifery Register. The NMC provides information on acquiring your overseas verification certificate and your transcript of training on the NMC website