NZDHA & NZDOHTA FAQs

  • Who is BMS

    BMS is now the exclusive broker for the NZDHA & NZDOHTA new insurance program.

    BMS is a Lloyd’s broker and has 15 global teams, including in Melbourne and Ottawa, dedicated to providing coverage, and value-added services to associations and its members.

    The New Zealand, Australian and Canadian teams provide coverage to more than 500,000 allied health and regulated professionals through 70+ associations globally.

    This experience gives BMS a unique insight and ability to create and deliver significantly enhanced and continuously evolving member centric insurance programs. This includes ensuring broad, market-leading coverage, evidence-based risk management and exceptional member service.

    If you have any questions about the insurance program or NZDHA & NZDOHTA Indemnity Policy, contact BMS at 0800 999 267 or email nzdha@bmsgroup.com or nzdohta@bmsgroup.com.

  • Why have NZDHA & NZDOHTA chosen BMS as their Insurance Partner?

    Ensuring NZDHA & NZDOHTA members have access to the most comprehensive coverage, additional, evidence-based risk management material and exceptional service for insurance queries and claims is paramount. BMS is a specialist broker dedicated to servicing associations and its members and will continue to enhance the NZDHA & NZDOHTA Insurance Program.

  • I already have a policy can I apply outside of my membership renewal?

    Yes you can opt back in to the insurance program by contacting the NZDHA & NZDOHTA.

  • What do I do if I have an open claim with my previous insurer?

    If you have a current claim with your previous insurance company, you will need to continue dealing directly with them. Any new claims or notifications under the new insurance program can be directed to BMS on 0800 999 267.

  • What is Professional Indemnity Insurance?

    Professional Indemnity Insurance protects you against allegations or claims of financial loss due to injury or damages that have resulted from a negligent act, error, omission, malpractice or breach of duty that has arisen out of your professional capacity as a Dental Hygienists and Oral Health Therapists.

    The NZDHA & NZDOHTA PI policy will also respond to protect your reputation should a claim occur.

  • What are the major benefits of the NZDHA & NZDOHTA Member Insurance Policy
    • $10,000,000 Limit of Professional Indemnity and an annual limit of $20,000,000.
    • Access to legal counsel a leading Allied Health law firm in New Zealand, in the event a complaint is made against you.
    • Cover is provided worldwide (excluding only the USA)
    • Unlimited retroactive cover for past activities
    • Run-off cover is available when you have a leave of absence or retire
    • Locum & Student Dental Hygienists and Oral Health Therapists are insured
    • Cover for refund of professional fees.
  • How do I know if I am covered?

    If you are unsure if your membership category includes your PI insurance please contact NZDHA & NZDOHTA or BMS.

  • Can I opt out if I don’t want the insurance in my membership?

    You have the option to opt out of the NZDHA & NZDOHTA program during the application or membership renewal process.

  • Who do I call if I have any insurance-related questions or to discuss my insurance policy?

    You can contact BMS’ team of Senior Brokers on 0800 999 267 or by email at nzdha@bmsgroup.com or nzdohta@bmsgroup.com.

  • Am I covered if I provide services to family members?

    No. There is no cover for when you are providing your services to family members.

  • What happens if I have a leave of absence during the year?

    The NZDHA & NZDOHTA PI Policy has run-off cover, so you remain covered in the event you have a leave of absence (such as maternity leave or due to an illness). To activate this, you must apply for run-off cover by contacting BMS on 0800 999 267 or via email at Nzdha@bmsgroup.com or nzdohta@bmsgroup.com.

  • Does this policy cover me when I retire?

    Yes. The NZDHA & NZDOHTA Insurance Policy provides run-off cover, which means you are covered when you retire. To activate this, you must apply for run-off cover by contacting BMS on 0800 999 267 or via email at Nzdha@bmsgroup.com or nzdohta@bmsgroup.com.

  • Is NZDHA & NZDOHTA Member Insurance Policy compliant with the Dental Council New Zealand Regulation?

    Yes. The NZDHA & NZDOHTA Insurance Policy comply with and exceed all requirements set by the Dental Council New Zealand.

  • Will this policy cover my past activities?

    Yes. The NZDHA & NZDOHTA PI Insurance Policy provides unlimited retroactive cover provided that there are no known and unreported circumstances that may lead to a claim and provided you have previously held Professional Indemnity Insurance.

  • Should I consider this cover if I work in the Public Health Sector?

    Yes. As a Public Health Sector worker, without your own insurance policy you are relying on your employer’s Insurance, which may be geared more towards protecting your employer. Further, Public Hospitals or Health Centres typically carry policy excesses upwards of $250,000; which means that, in the event of a claim against you, they may decline to cover you.

    Your employer’s policy may not cover you for:

    • Your services with previous employers.
    • Your private practice work.
    • Your past services rendered.
    • Your services provided as a contractor, sub-contractor or consultant.
    • If you are sued by your employer
    • Legal support for regulatory inquiries, disciplinary hearings and coronial enquiries.

    NZDHA & NZDOHTA members who participate in the Insurance Program also have peace of mind that they have an individual $10,000,000 limit per claim covering their interests as well as access to free legal assistance with a senior lawyer for each potentially claimable issue that arises.

    Having your own individual policy ensures you are covered if you want to work while transitioning from one employer to the next.

  • What Legal Support is available to me as a member insured through the NZDHA & NZDOHTA?

    Duncan Cotterill, a leading independent New Zealand law firm is pleased to offer summary pro bono legal advice to all NZDHA & NZDOHTA members participating in the insurance program. To ensure all eligible members are provided with superior legal defence in the event of a claim or complaint, Duncan Cotterill has been retained as the preferred legal provider for claims made under NZDHA & NZDOHTA Insurance Program.

    NZDHA & NZDOHTA members can take advantage of this complimentary service for practice related questions involving issues such as:

    • Privacy and confidentiality;
    • Conflicts of interest;
    • How to respond to requests for information from third parties;
    • Inquires from your regulatory body;
    • How to respond to a subpoena;
    • Professional misconduct;
    • Ethical obligations; and
    • Professional obligations

    Duncan Cotterill is one of New Zealand’s leaders in insurance claims services and offers expertise in all areas of litigated and non-litigated claims.

    The Duncan Cotterill team not only defends a large portfolio of litigated claims against allied health professionals and health care providers, but also provides specialised services in coronial investigations, disciplinary hearings and complaints resolution processes. The team works closely with its clients to identify what is particularly important in resolving claims, including accuracy, speed, and sensitivity to reputational risk and intelligent and controlled solutions to litigation.

  • What do I do if I have a claim or complaint made against me?

    Members should

    • Immediately report any potential claim to BMS
    • Formally document the incident, including details of those involved
    • Submit any formal statement to BMS
    • Report any regulatory investigations or notice of complaint within 30 days
    • Gather any noted and supporting documentation

    Members should not

    • Speak with any third parties about the claim
    • Assume any legal fees before reporting a claim
    • Offer compensation to independently settle a claim
    • Amend or change ant previous medical records once a statement of claim has been received

    If you are aware of a potential claim should contact BMS directly at 0800 999 267 or nzha@bmsgroup.com or nzdohta@bmsgroup.com.