Subject to all the usual policy conditions such as payment of premium etc. the insured will be granted an additional period of up to seventy-two (72) months (subject to the terms and conditions of the applicable policy wording) to make and report any claims or notifications (in writing) to the Insurer that resulted from work performed during the policy period and which occurred prior to the Practitioner permanently ceasing to practice.

Such Extended Reporting Period (ERP) shall be granted if the insured either:

  • Retires

the permanent ceasing to practise and withdrawal from one’s position, occupation and/or from one’s active working life.

  • Ceases to practice as a Practitioner

bringing the Insured’s Professional Services to an end either due to emigration, having taken up a position overseas, having taken up a medico legal advisory role or by accepting a full-time position as a practitioner in a state hospital (no private sector services being performed) whichever is applicable.

  • Becomes permanently Disabled

having a physical or mental condition that limits the Insured’s movements, senses, or activities in a manner that prevents the Insured from carrying out the duties that would ordinarily be expected of them.

  • Dies (the Executor acting on his/her behalf)

There will be no cover under the extended reporting period if the insured is taking a temporary break from practice, e.g. for maternity leave or a “gap year”. Please also read: