A claims made policy responds to claims that are submitted during your period of insurance. Your cover is issued with a retroactive date, which means that the policy will exclude any claims for incidents occurring before this date.
In most instances the retroactive date will be the date that cover is first taken out with us, however if you transfer your insurance to us and have previously been covered by a claims-made policy, we can normally confirm a retroactive date back to when you first took out this type of cover.
The policy will provide protection for claims that are made against you (or circumstances you become aware of that are likely to result in a claim) arising from treatments or services given after the retroactive date and throughout the period of insurance.