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Future Liabilities Scheme: GP indemnity plans for Wales

While attending the NHS Confederation annual conference in Cardiff, Cabinet Secretary for Health and Social Services, Vaughan Gething, confirmed that NHS Wales Shared Services Partnership – Legal and Risk Services will be the organisation operating the Future Liabilities Scheme that is due to commence 1 April 2019.

The body currently provides an indemnity scheme for GPs working out of hours shifts. However from April the scheme will be expanded. Welsh Risk Pool Services will work closely with NHS Wales Shared Services Partnership to provide an ‘integrated approach between claims management, reimbursement and the learning of lessons’.[1]

Who will be covered?

Primary medical service providers, including practice staff, salaried and locum GPs, and practice pharmacists, nurses and healthcare assistants.

NHS England and Wales

The scheme is intended to provide a system which is closely aligned to the planned system which is coming into force in England in April 2019. It is hoped that this will support GP recruitment and cross border activity. The Deputy Chairman of the BMA’s GP Committee for Wales has noted that the FLS will go ‘a long way to equalising the situation between the nations’.[2]


The scheme will not cover the following:

  • GMC proceedings
  • Coroner’s inquests
  • Professional regulation
  • Court proceedings
  • Disciplinary proceedings
  • Private funded primary healthcare

If a GP wanted to be covered for the above they would have to have some form of indemnity cover. In the absence of indemnity they may, for example, have to fund the cost of legal representation at an inquest themselves.

The Chair of GPC Wales, Dr Charlotte Jones, has stated the FLS scheme will address one of the biggest financial pressures that GPs face.[3] Currently a full-time GP can expect to face insurance fees of up to £15,000 per year..[4] However, as there are some areas outside the scope of the FLS, it is unclear what revised costs a GP would face following implementation in April 2019.



This briefing is for guidance purposes only. RadcliffesLeBrasseur LLP accepts no responsibility or liability whatsoever for any action taken or not taken in relation to this note and recommends that appropriate legal advice be taken having regard to a client's own particular circumstances.

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