The professional indemnity provider
Launched in November 2016, EthiQal is proud to offer South Africa’s first homegrown occurrence-based medical indemnity solution. With a firm belief that our doctors are a national asset that must be safeguarded for the well-being of our nation, we are committed to actively protecting our doctors, their practices and their patients.
As a company that cares about the future of medical care in South Africa, we collaborate with healthcare practitioners, their professional societies, the legal profession and government representatives to bring stability to the medico-legal landscape and to secure the future of the medical profession, while preserving and building medical care in the country for everyone’s benefit.
To support and enhance healthcare in South Africa by protecting our doctors and their patients through the enablement of optimised, innovative risk management solutions.
To be the leading provider of professional indemnity cover for healthcare providers, as well as their preferred risk management partner.
EthiQal is a division of Constantia Insurance Company Limited, part of Constantia Risk and Insurance Holdings (pty) Ltd, which has been in the insurance industry for over 65 years. As a trusted and innovative brand, Constantia is proud of its heritage and the contribution it has made to the South African insurance industry.
The Group is 100% owned by Conduit Capital Limited, a multibillion rand organisation listed on the JSE. Constantia established a substantial reinsurance programme with Swiss Re from inception to June 2019, whereafter Constantia was able to attract reinsurance capacity from a panel of five UK and USA-based medical malpractice reinsurance partners.
In 2018, Constantia was awarded the prestigious Institute of Risk Management (IRMSA) Insurance Sector Award in recognition of EthiQal’s innovative contributions.
Our focus is on providing doctors with peace of mind and a sense of security that they’ve not had in the past, while also significantly reducing the cost of medical professional indemnity cover.
The EthiQal advantage
EthiQal provides the only real occurrence-based cover protected by South African laws and regulations. We are pioneers of fair dispute resolution and are committed to protecting our doctors to keep them in practice.
Real occurrence-based contracts
Occurrence-based cover is the most popular form of indemnity cover amongst doctors, as it is easy to understand and administer, and it provides protection for claims that result from any incident that occurs whilst being a policyholder. This is irrespective of when the claim is made and it includes the time after a policy has been cancelled.
Contrary to claims-made cover, it does not expose doctors to potential gaps in cover as a result of policy migration between financial service providers, contracted scope of practice, unexpected inability to purchase run-off cover or forfeiting of extended reporting periods.
Bar material non-disclosure, occurrence-based policies provide certainty of future cover for any claim arising from incidents that happened during the policy period. With claims-made cover, doctors are only protected for adverse incidents that both occur and are reported during the policy period.
EthiQal is a local provider of professional indemnity cover, with contracts that are enforceable within South Africa’s legislative framework, with solvency monitored by the Prudential Authority.
Active Protection of Doctors
We firmly believe that our doctors are a national asset and must be protected. Our business model is underpinned by active risk management aimed at reducing medico-legal threats and stabilising professional indemnity premiums, while our business strategy is guided by a collaborative approach and the belief that real data will lead to real solutions.
Our investments are aimed at supporting doctor-driven risk management solutions like the development of practice guidelines, patient educational leaflets, informed consent forms, as well as the establishment of communication platforms and data repositories.
Policyholders may also benefit from a free practice management consultation to protect their practice.
Pioneers of fair dispute resolution
EthiQal’s in-house team of highly experienced lawyers and doctors is easily accessible, provides day-to-day medico-legal advice and oversees the claim adjudication and resolution process with the support of reputable law firms, all of whom have established track records of excellence in the medico-legal field.
As pioneers of fair dispute resolution, we are intolerant of unethical behaviour and vexatious claims and we are committed to intervening on these, where identified. To protect the practitioner and the patient against the mental strain of unnecessary prolongation of a dispute, to achieve the best outcome for both parties in the shortest possible time period, to avoid unnecessary legal fees and to restore the doctor-patient relationship, where possible, we actively promote mediation as an alternative to litigation. We are also advocates for impartial expert opinion panels.
Meet the EthiQal team
Our highly skilled and professional team is committed to supporting our medical professionals and effecting positive change in our healthcare system.
Peter Goeffrey Todd
Chief Executive Officer
Senior Legal and Claims Manager
Dr Bettina Taylor
Senior Risk Specialist
Dr Hlombe Makuluma
Senior Manager: Market and Channel Development
Operations & Client Services Manager
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