Region: Republic of Ireland
Client Sector: GP / Day Care Centre
Risk: Medical Malpractice Insurance

The Background

A growing healthcare franchise based in Ireland approached Medicas seeking medical malpractice insurance that would cover both their corporate entity and the individual doctors working within their network. The practice operates a franchise model, allowing doctors to work flexibly across multiple locations, a structure increasingly common in modern healthcare delivery.

However, they faced a regulatory shift that significantly impacted how medical indemnity must be structured.

The Regulatory Challenge

Under Irish law every practising doctor, regardless of how many hours or shifts they work, is required to hold their own individual €10 million limit of indemnity. Previously, it was permissible to extend a shared limit from the corporate entity to practitioners. But with tightening regulations and growing scrutiny from the Irish Medical Council, this model was no longer viable.

This change introduced a dual challenge:

1. Securing individual indemnity policies for multiple doctors in a market with low appetite for underwriting individual practitioner risk
2. Ensuring mobility across locations within the franchise model while maintaining compliance with regulatory standards

The Risk for the Client

Without a viable insurance solution, the franchise model faced significant operational strain. The client’s ability to recruit and retain doctors, especially for flexible, part-time, or locum roles, was under threat. Without offering compliant and competitive indemnity, the business risked falling behind or losing key talent.

Our Solution

Working with one of our specialist supporting markets, Medicas developed a first of its kind insurance solution tailored to this unique scenario.

• The policy provides corporate-level medical malpractice coverage while also naming individual doctors under the umbrella structure.
• Each doctor has their own dedicated €10 million limit indemnity, satisfying regulatory requirements.
• The policy is modular and location flexible, allowing doctors to work across different franchise locations without breaching cover terms.
• We worked closely with the insurer to revise policy wording, ensuring effective trigger points and compliance, something no existing off-the-shelf product could deliver.

The Outcome

The client is now fully covered and compliant, with a market leading insurance structure that supports full-time and locum recruitment, doctor mobility between locations and continued high-quality care across the franchise.

With Medicas’ support, the client retained its operational model, stayed ahead of the regulatory change and strengthened its offering to medical professionals in an increasingly competitive market.

Do you need a flexible, compliance solution for your medical entity?
Get in touch with the Medicas team to find out how we can support your practice.