What is retroactive cover?
Retroactive cover is cover for claims, investigations or inquiries which arise from medical services provided prior to the inception date of the policy, where you first become aware of such a matter during the period of insurance. The retroactive date on the policy determines how much of your prior practice is covered under your policy (see Retroactive Cover). The retroactive date is specified on the policy schedule. If you do not acquire adequate retroactive cover and a claim arises from your work prior to the retroactive date, you will not have cover from us for that claim and may have to pay the claim (or your proportion of the liability) including all associated defence/legal costs personally. You should be aware that if you purchase retroactive cover, your policy will not respond to claims that have been made against you at the time of your application. Nor will your policy respond to any other matter that you were aware of, or ought reasonably been aware of at the time of your ap
