Dental Protection Membership
Vision & Value
Dental Protection is very proud of the four core values which sit at the heart of everything we do for members;
- Remaining at the heart of the profession(s) we serve
We use a combination of staff training and regular audits to ensure that our values are also experienced in real and meaningful ways by our members. For a complete read click on the appropriate core value link above.
Occurrence-based indemnity and commercial insurance companies
Dentists in Southern Africa have traditionally enjoyed stability in their professional indemnity subscriptions which are still significantly lower than many other countries in the world. Dental Protection offers "occurrence-based" indemnity in accordance with the Memorandum and Articles of Association. The sole requirement is that you were a member on the day the patient is treated and this enables you to seek assistance for any claim or complaint that arises in the future as a result of that incident. This is very different from the type of indemnity offered by commercial insurance companies, whose aim is to make a profit, which is usually offered on a claims-made basis. This means that the insurance policy must be active at the time that the claim is made.
Dentists have found themselves without cover by failing to maintain a policy after retirement or during temporary periods of absence from practice. Further information on the difference between claims-made and occurrence-based indemnity products is available on Dental Protection's website. The advantage for a commercial insurance company offering claims-made policies is that it can leave the market (and cut its long-term liabilities) at any stage thereby leaving dentists with significant amounts of unindemnified practice if the company does not offer insurance arrangements to cover the tail (the incidents which have occurred but which have not yet been reported). The pattern of commercial insurance companies leaving doctors and dentists stranded, has been repeated in every continent around the world. This is the exact opposite to the track record of mutual organisations such as ours. By offering indemnity on an occurrence basis it means we are in for the long stay. But, this is hardly surprising given that our only reason for being in existence is to support the interests of members.
As a dental member you are supported by the largest and most experienced team of specialist colleagues in the dento-legal field. When it matters most, you need this kind of strength on your side. You are also a member of the largest, strongest and best funded mutual organisation for dentists in the world. Mutuality provides a very special sense of security and belonging to a strong and successful international dental family - quite different to being a small policy holder of a faceless global insurer who treats dentists as an insignificant part of their overall business. For Dental Protection dentistry is our business and we care about the profession because we are also part of it ourselves.
The difference between Indemnity Membership and Insurance
Dentists are frequently bombarded with marketing information from commercial insurers (and other interested parties), proclaiming the supposed benefits of insurance over the flexible discretionary indemnity offered by non-profit making organisations like Dental Protection. Remember that 70% of dentists in the UK alone continue to choose Dental Protection over insurance. If in doubt seek the advice and opinions of your colleagues.
The Memorandum and Articles of Association
- The Memorandum and Articles of Association sets out the purpose for which The Medical Protection Society Limited (MPS) exists and the Articles of Association set out the rules by which it is governed.
- As a Member of MPS, it is important that you are aware of the provisions contained within them.
- All members receive a copy when they join MPS and we recommend that you retain them for future reference.
- Amendments were made to the Memorandum and Articles of Association at the MPS Annual General Meeting on 13 June 2007.
Being a member of a protection society is much more than simply having someone to pay cheques if you are sued. It is the peace of mind that comes with knowing that you have experienced professional colleagues to help and advise you on any dento-legal problem and from knowing that the world's largest team of specialists in this field will be on your side, to protect and support you when it matters most.
Dental members working in Southern Africa need hardly be reminded of the increasingly accountable environment in which we work - both in terms of litigation and complaints including complaints to the Health Professions Council of South Africa (HPCSA).
Serving over 56,000 members world-wide, Dental Protection has 50 dento-legal advisers working in its UK offices as well as a network of Local Advisers and schemes of co-operation world-wide. The international perspective gives Dental Protection a full understanding of the challenges which affect dental professionals world-wide.
In South Africa Dental Protection works with an experienced panel of attorneys to ensure that members have the best legal representation when the need arises.
- Protecting the professional integrity of members
- Advice and assistance, including legal advice and assistance in all matters which challenge a dentist's professional integrity
- Indemnity for the dentist against costs and damages in clinical negligence claims. We are not an insurance company and the benefits of membership are discretionary.
- 50 dento-legal advisers who are all experienced with special legal expertise and a network of local advisers world-wide, provide expert guidance and support to members in difficulty 24 hours a day, 7 days a week. In addition local panels of Attorneys with specialised knowledge of dento-legal matters support the dento-legal advisers and members in any country in which we operate.
- An independent and confidential counselling service specifically to assist members suffering from stress as a result of dento-legal issues.
The key to complaints handling is a flexibility of approach. The complaints process must adapt to the needs of a patient and not the other way round! Although there is no single way to handle a complaint there are 10 key steps that should always be considered. Click here to download the full pdf document.
Educational materials - publications focused on the many aspects of risk management and other issues relating to the dental profession. In particular our own publication, Riskwise South Africa, provides regular risk management information to members.
Dental Protection Workshops
Dental Protection offer three hour workshops comprising short lectures, reflective exercises, small group facilitated discussions, group activities and rehearsal of skills, which are relevant to all dentists and dental specialists. The workshops are free as a benefit of Dental Protection membership. It is vital to note that these Workshops have a limited number of seats available and therefore early registration is required. ONLY those applicants who receive a Confirmation of Reservation e-mail are allowed access to the Workshop. Attendees are credited with ethical CEU’s. Email notifications are sent out regularly to practitioners advising dates and venues of upcoming workshops for online booking.
- The motivation behind why patients complain
- The importance of managing patients expectations
- Practical skills to enhance communication with patients
- Effective management of patient questions regarding care provided by other healthcare professionals.