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SAMPLE CERTIFICATE

 

 

PROFESSIONAL INDEMNITY & MEDICAL MALPRACTICE SCHEME FOR STUDENTS AND GRADUATES OF THE S.M.T.O.

Devised & arranged by H & L Balen & Co., and underwritten at Lloyd’s

1

The Assured:

&NAME& being a Member of the S.M.T.O.

2

Postal Address:

3

Limit of liability:

£1,000,000 Any one claim and in all during the period of insurance.  Defence costs in addition.

4

Policy Cover:

Claims made during the period of insurance but only in relation to professional activities carried out in accordance with the authorisation of the Society within Great Britain, Northern Ireland, Isle of Man and the Channel Islands. Public and Products Liability included. Extra Legal Expenses cover and Helplines as per attached (underwritten by Hiscox Ins )

5

Excess:

NIL

6

Retroactive Date:

Not applicable - Cover is provided for claims made during the policy period in relation to work carried out prior to inception of this certificate.

7

Period of Cover:

1.1.99 until 31.12.99 (both dates inclusive)

8

Premium:

£ …… (inclusive of 5% Insurance Premium Tax, documentation etc.)

9

Run -Off in event of :

A. Discontinuing policy

B. Permanent Retirement/Death

C. Maternity.

Cover hereunder is extended to expire :-

A. 3 years from expiry of cover

B. for an unlimited period

C. One Year from commencement of leave for claims made during the period of run-off but only in relation to professional activities carried out prior To discontinuance.

N.B. Run-off cover is strictly subject to the underwriters approval prior to such cover being granted. You must request this if discontinuing the policy.

10

Jurisdiction:

United Kingdom or as otherwise agreed

11

Notice of Claim to:

H & L Balen & Co. 33, Graham Road, Malvern, Worcs. WR14 2HU

12

Other Therapies covered:

Provided suitable certificates of competence held as below: Other therapies can be included upon request – an extra premium may be charged for an invasive therapy

Acupressure

Light Touch Therapy

Yoga Teaching/Therapy

Alexander Teaching

Colour Therapy

Manipulation (not Osteopathic)

Counselling

Aromatherapy

Electro-Crystal Therapy

Massage(inc Head,Thai & Sports)

Healing

Ayurveda

Herbal Medicine

Metamorphic Technique

Psychotherapy

Autogenics

Homeopathic

Naturopathy

Psychology

Bach Remedies

Nutrition Therapy

Reiki

Bowen Technique

Hypnosis

Radionics

Teaching

Cranio-Sacral Therapy

Kinesiology

Reflexology

Student Case work supervised

Crystal Therapy

Iridology

Shiatsu

(provided authorised by school)

Certificate issued in Malvern, 16 December, 1999 by H & L Balen Company .