How To Stop Overpaying For Dental Indemnity with Tom Chaston [CPD Available]
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Show Notes
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Dental indemnity is one of the biggest essentials in UK dentistry, yet the way it is priced and the way decisions get made behind the scenes can feel deliberately hard to follow. We sit down with Tom, a dental indemnity specialist at AllMed Pro, to lay out how the system really works so we can stop guessing, stop overpaying and start buying the right protection with our eyes open.
We dig into why indemnity premiums rise, looking at claims patterns, claims frequency and the true cost of a case, including legal fees, defence costs and expert witness reports. Then we get practical about risk rating: how extra sessions and higher-risk procedures can change the premium, why implant work needs a more detailed conversation than a simple tick-box, and how declaring your work accurately can prevent unnecessary price hikes later.
We also myth-bust the hot topics dentists debate online: what discretionary cover actually means at the moment you need help, what insurance-backed (contract certain) cover changes, and why non-disclosure is one of the few things that can derail support. For principals, we unpack vicarious liability and non-delegable duty of care, plus how structuring the right policy for your practice entity can make a real difference when a claim arrives.
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