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					                                 MEDICAL MALPRACTICE

                                    PUBLIC LIABILITY

                                          AND

                                 ERRORS AND OMISSIONS

                                      INSURANCE

                                          FOR

                 PROFESSIONAL HEALTHCARE PRACTITIONERS




GPLA Dr Med Mal Wording Jan 08




                                                         1
   DISCLOSURES REQUIREMENT IN TERMS OF SECTION 4 TO 7 OF THE GENERAL CODE OF CONDUCT OF THE
            FINANCIAL ADVISERS AND INTERMEDIARY SERVICES (FAIS) ACT, NO 37 OF 2002

The purpose of this document is to provide you with the key information that you should know before
proceeding with the policy. As a short-term policyholder you have the right to the following
information: For the purposes of this document, FSP = Financial Services Provider as defined in the FAIS
Act, being the insurance broker or intermediary.

Name                             :   General and Professional Liability Acceptances (Pty) Limited

Legal Status                     :   Proprietary Company

Authorised Financial Services Provider No. 3664

Postal Address                   :   P O Box 2667, Fourways, 2055

Street Address                   :   Unit 106A York House, Epsom Downs Office Park, 13 Sloane Street,
                                     Bryanston, 2021

Phone Number                     :   011 706 0911           Fax Number: 011 463 7084

Compliance Department

Contact Person                   :   Craig Ormrod

Phone Number                     :   011 463 1573           Fax Number: 011 463 1714

Complaints Contact Person

Contact Person                   :   Roxanne Hunter

Phone Number                     :   011 706 0911           Fax Number: 086 505 9712

Name of Insurer                  :   Lloyd’s, Marketform Syndicate 2468, represented by General and
                                     Professional Liability Acceptances (Pty) Limited

Postal Address                   :   P O Box 2667, Fourways, 2055

Street Address                   :   Unit 106A York House, Epsom Downs Office Park, 13 Sloane Street,
                                     Bryanston, 2021

Phone Number                     :   011 706 0911           Fax Number: 011 463 7084

Compliance Department

Contact Person                   :   Amit Khilosia

Phone Number                     :   011 884 0486           Fax Number: 011 884 0384


Complaints Contact Person

Contact Person                   :   Roxanne Hunter

Phone Number                     :   011 706 0911           Fax Number: 086 505 9712




GPLA Dr Med Mal Wording Jan 08




                                                                                                        2
Commission

General and Professional Liability Acceptances (Pty) Limited (GPLA) receives a management fee from the
Insurer with whom the Insurances are placed. In addition GPLA does have a vested interest in this
transaction by virtue of a profit share between GPLA and the Insurers.

Contractual relationships between General and Professional Liability Acceptances (Pty) Ltd and
Product Supplier (Insurers)

       1. GPLA is authorised to offer the following products on behalf of the Product Supplier: -

                             - Short term Commercial Lines

       2. In terms of its current status as an Authorised Financial Services Provider, GPLA is authorised to
          provide Commercial Insurance
       3. GPLA does hold Professional Indemnity Insurance and Fidelity Insurances but is not required to
          have an IGF Guarantee.
       4. GPLA does receive more than 30% of its total remuneration from the stated Product Supplier

The following cover will be provided to you should you take out this insurance:

Product                             :       Medical Malpractice and/or Public Liability and/or Errors and Omissions

Total Premium Payable for the period of the contract :                     including Vat
Broker commission inc. of Vat                        :                     including Vat
The monthly instalments/premium payable by you
in terms of this insurance contract                  :

I …………………………………………. by signature hereto acknowledge that I have received a copy of this
document


Signed …………………………………… Date ……………………………..

IMPORTANT – PLEASE READ

Claims Procedure

Notice of the intention to lodge a claim must be provided to the Insurer/Underwriting Managers in
terms of the policy conditions. The required documentation must be provided as soon as possible.

There is a tax consideration applicable to the products in the form of Vat

Should you be dissatisfied with any aspect of your insurance contract you may, after stating your case to
our Complaints Department or that of the Products Supplier and not received a satisfactory response,
you may make a complaint to The Ombudsman’s Office which can be contacted as follows: -

For Personal Lines Policy Interpretation
Short term Insurance Ombudsman
P O Box 32334, Braamfontein, 2017
Telephone Number: 011 726 8900                         Fax Number: 011 726 5501            E-mail: info@osti.co.za

For all Advice Related Disputes
FAIS Ombudsman
P O Box 74574, Lynwood Ridge, 0040
Telephone Number: 012 470 9080                         Fax Number: 012 478 3447            E-mail: info@faisombud.co.za




GPLA Dr Med Mal Wording Jan 08



                                                                                                                          3
                                         Lloyd's Insurance
_____________________________________________________________________________________________


This Insurance is effected with certain Underwriters at Lloyd's, London.


This Certificate is issued in accordance with the authorisation granted to the Coverholder by certain
Underwriters at Lloyd's (hereinafter called 'Underwriters'), whose syndicate numbers and the proportions
underwritten by them can be ascertained from the offices of said Coverholder and in consideration of the
premium specific herein, Underwriters do hereby bind themselves, severally and not jointly, each for his
own part and not one for another, their Executors and Administrators.

The Coverholder referred to herein is Staple Hall Risk Solutions (SA) Limited trading as Specialist
Insurance Policy Administrators administered by General & Professional Liability Acceptances (Pty) Ltd
whose contact details appear at the end of this Certificate.


The Insured is requested to read this Certificate, and if not correct, return it immediately to the
Coverholder for appropriate alteration.

In the event of a claim under this Certificate, please notify the Coverholder who is acting as the agent of
Underwriters.


CERTIFICATE PROVISIONS

1.            Service of Suit. In the event of any litigation arising out of insurance assumed hereunder,
              Lloyd's General Representative in South Africa, c/o Webber Wentzel Bowens, 10 Fricker Road,
              Illovo Boulevard, Johannesburg 2196, South Africa, is required, in terms of the Short-Term
              Insurance Act No. 53 of 1998, to accept service of suit against Underwriters.

2.            Assignment. This Certificate shall not be assigned either in whole or in part without the written
              consent of the Coverholder endorsed hereon.

3.            Complaints.  If you have any complaints concerning your insurance, please contact the
              Coverholder.

4.            Attached Conditions Incorporated. This Certificate is issued and accepted subject to all the
              provisions, conditions and warranties set forth herein, attached or endorsed, all of which are to
              be considered incorporated herein including the Schedule to the Certificate


It is understood and agreed that wherever the words Insured/Company appear herein the same shall be
deemed to read Insured/Underwriters respectively.


This Insurance shall be governed by the laws of the Republic of South Africa, whose courts shall have
jurisdiction in any dispute arising hereunder.




GPLA Dr Med Mal Wording Jan 08




                                                                                                             4
         MEDICAL MALPRACTICE, PUBLIC LIABILITY & ERRORS AND OMISSIONS
                                                   INSURANCE
                                 THIS IS A CLAIMS MADE AGGREGATE CERTIFICATE
                         (WITH DEFENCE COSTS INCLUDED WITHIN THE LIMITS OF INDEMNITY)

INSURING CLAUSE

1. WHEREAS the Insured, as defined herein, has made to Underwriters a written Proposal or Declaration
   bearing the date stated in the Schedule, a copy of which is attached containing particulars and
   statements which are hereby agreed to be the basis of this Certificate and are to be considered as
   incorporated herein, and the Premium (as stated in the Schedule) being received by Underwriters.

2. WE, THE UNDERWRITERS, to the extent and in the manner hereinafter provided, and subject to the
   Terms and Conditions of this Certificate HEREBY AGREE to Indemnify the Insured for Claims made
   against the Insured during the Period of this Insurance against all sums which the Insured shall
   become legally liable to pay as damages in accordance with the law of any country BUT NOT in respect
   of any judgment award or settlement made within countries which operate under the laws of the
   United States of America or Canada (or any order made anywhere in the world to enforce such
   judgment, award or settlement either in whole or in part), unless the Insured has requested that
   there shall be no such limitation and has accepted the terms offered by Underwriters in granting
   such cover which offer and acceptance must be signified by specific endorsement (including any
   reinstatement provision) to this Certificate, arising out of

       (i)    MALPRACTICE
              Any bodily injury, mental injury, illness, disease or death of any patient caused by any negligent
              act, error or omission committed by the Insured in or about the conduct of the Insured's
              Occupation or business as stated in the Schedule, or Good Samaritan Acts, (hereinafter referred
              to as "Malpractice")

       (ii) PUBLIC LIABILITY
            Any bodily injury, mental injury, illness, disease or death of or to any person, or loss of or
            damage to tangible property of any person in connection with the Insured's profession as stated in
            the Schedule, including the provision of food and drink, (hereinafter referred to as "Public
            Liability")

       (iii) ERRORS AND OMISSIONS
             Financial loss to third parties caused by any negligent act, error or omission committed by the
             Insured in or about the conduct of their occupation or business as stated in the Schedule and
             arising directly or indirectly out of a breach of duty owed to a patient (hereinafter referred to
             as "Errors and Omissions")

       And pay all Defence Costs incurred with Underwriters' consent, such consent not being unreasonably
       withheld, in connection with any Claim which falls within this Certificate, provided that the total
       amount payable in respect of damages and Defence Costs shall not exceed the Limits of Indemnity as
       stated in the Schedule;

       IT IS FURTHER provided that Underwriters shall not be obligated to pay any Claim, judgment, award,
       Defence Costs, or to undertake or continue the defence of any suit or proceeding after the Limits of
       Indemnity have been exhausted by payment or agreement to pay, any Claim, judgment, award, settlement
       and Defence Costs, or after deposit of the applicable Limit(s) of Indemnity in a court of competent
       jurisdiction, and that in such a case Underwriters shall have the right to withdraw from the further
       defence thereof by tendering control of said defence to the Insured, subject however to any
       reinstatement conditions which may be endorsed to this Certificate.




GPLA Dr Med Mal Wording Jan 08



                                                                                                              5
PROVIDED ALWAYS THAT:

(a) Such Malpractice, Public Liability or Errors and Omissions results in a Claim being first made against
    the Insured during the Period of Insurance as stated in the Schedule and of which notice has been
    given in accordance with General Condition 2

(b) (i)                There shall be no indemnity hereunder for any Claim made against the Insured for Malpractice
                      committed prior to the Retroactive Date specified in the Schedule
         (ii)         There shall be no indemnity hereunder for any Claim made against the Insured for Public
                      Liability, or separate allegations arising out of the same event, which happened prior to the
                      Retroactive Date specified in the Schedule
         (iii)        There shall be no indemnity hereunder for any Claim made against the Insured for Errors and
                      Omissions committed prior to the Retroactive Date specified in the Schedule
         (iv)         For the purpose of determining the Limit of Indemnity and Excess applicable, any Claim which is
                      based upon combined allegations of Malpractice, Public Liability and/or Errors and Omissions,
                      or separate allegations arising out of the same event, shall be dealt with as though it were a
                      Claim arising out of Malpractice as defined in clause 2(i) and is limited to the sum specified in
                      the Schedule for Malpractice.

DEFINITIONS

(i)              The expression "the Insured" shall be deemed to mean:

                  (a) The individual(s) named in the Schedule;
                  (b) Any employee or other party for whom the Insured is responsible, but only in respect of
                      work performed by the employee or other party on behalf of the Insured;
                  (c) The personal representatives of the estate of any person who would otherwise be indemnified
                      under this Certificate.
(ii)             The expression "Good Samaritan Act" shall mean treatment administered at the scene of a medical
                 emergency, accident or disaster by the Insured who is present either by chance, or in response
                 to a S.O.S. call following a disaster.
(iii)            The expression "Claim" shall mean any event or series of events arising from one originating cause
                 and for which the Insured is required to give notice to Underwriters in accordance with General
                 Condition 2.
(iv)             The expression "Defence Costs" shall mean all costs, fees and expenses (including representation
                 at Coroners Inquest) incurred in the defence or settlement of any Claim.
(v)              The expression "Products" shall mean any solid, liquid or gaseous substance or component part
                 thereof.
(vi)             The expression "Period of Insurance" shall mean the period as stated in the Schedule.
(vii)            The expression “Schedule” means Schedule to the Certificate
(viii)           Except where the context otherwise requires, words denoting the singular include the plural and
                 vice versa; words denoting any gender include all genders.

EXCLUSIONS

UNDERWRITERS shall not be liable for:

(i)              Any Claim arising out of any Malpractice or Public Liability or Errors and Omissions occurring
                 prior to the inception date of this Certificate if the Insured on such date knew or could have
                 reasonably have foreseen that such Malpractice or Public Liability or Errors and Omissions might
                 be expected to be the basis of a Claim
(ii)             Any Claim arising from any circumstance or occurrence, which has been notified, to any Medical
                 Defence Organisation and/or Insurer prior to the inception of this Certificate
(iii)            Any Claim which is the subject of Insurance Indemnity or Assistance provided by any Medical
                 Defence Organisation. This Policy shall not be drawn into contribution thereto
(iv)             Any Claim arising out of a specific liability assumed by the Insured under contract which goes
                 beyond the duty to use such skill and care as is usual in the exercise of the Insured's activities
                 stated in the Proposal Form UNLESS Underwriters' prior agreement has been obtained and such
                 specific liability is endorsed upon this Certificate with the acceptance of such other Terms and
                 Conditions as may be imposed




GPLA Dr Med Mal Wording Jan 08



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(v)           Any Claim arising out of the manufacture of any Products, or the construction, alteration,
              repair, repackaging, servicing, or treating of any Products sold, supplied or distributed by the
              Insured, or any Claim arising out of the failure of any product to fulfil the purpose for which it
              was designed, or to perform as specified, warranted or guaranteed. This exclusion however does
              not apply to the compounding, manipulation, preparation or packaging of any medicine undertaken
              in terms of the Scope of Practice as defined in the Act(s) governing the dispensing of medications
              by doctors, if licensed to do so, nor does this exclusion apply to medical products sold,
              supplied or distributed but not manufactured by the Insured
(vi)          Any Claim made against any Director or Officer or Employee of the Insured, arising from any
              unlawful or negligent act, error or omission, actual or alleged breach of trust, breach of
              warranty of authority or breach of duty committed or attempted by such Director or Officer or
              Employee where such Claim is made solely by reason of his holding the position of Director or
              Officer or Employee of any Company and having acted in that capacity
(vii)         Any Claim by any person for bodily injury, mental injury, disease or death incurred, contracted
              or occurring while under a contract of service or apprenticeship with the Insured, or for any
              breach of any obligation owed by the Insured as an employer to any employee, or any Claim in
              respect of which compensation is available under any Workers' Compensation Scheme and or
              similar legislation. However, this Exclusion shall not apply to any Claim arising out of any bodily
              injury, mental injury or death of an employee, which is caused, by any negligent act, error or
              omission of an Insured, where the employee is a patient of the Insured
(viii)        Any Errors and Omissions Claims arising from any professional services rendered which are not in
              the conduct of the Insured's business or occupation as a provider of Healthcare Services,
              unless stated in the Schedule
(ix)          Any Errors and Omissions Claims arising from or brought against the Insured by a company in
              which the Insured has a controlling interest unless the original Claim emanates from an
              independent third party
(x)           Any Cross Liabilities which shall be deemed to mean Claims made against any Insured party by any
              other Insured party
(xi)          Any Claims arising out of or directly or indirectly from the insolvency or bankruptcy of the
              Insured or a company in which the Insured has a controlling interest
(xii)         Any Claims arising out of Infringement of Copyright, Registered Designs, Trade Marks or Passing
              Off or any Infringement of any Data Protection Act
(xiii)        Any Claim directly or indirectly caused by or contributed to by:

              (a) Any act in violation of any law or ordinance
              (b) Any dishonest, fraudulent or criminal act of the Insured
              (c) The performance of the activities of the Insured whilst under the influence of intoxicants or
                  narcotics excluding medication prescribed and/or administered by a properly qualified doctor
                  as well as any over the counter drugs which are being taken at the time for recognised
                  medical complaints or conditions
(xiv)         Any Claim directly or indirectly caused by, or contributed to by, or arising from ionising
              radiation(s) or contamination by radioactivity from any nuclear fuel or from any nuclear waste
              from the combustion of nuclear fuel or from the radioactive, toxic, explosive or other
              hazardous properties of any explosive nuclear assembly or nuclear component thereof
(xv)          Any loss, damage, cost or expense of whatsoever nature directly or indirectly caused by,
              resulting from or in connection with any of the following regardless of any other cause or
              event contributing concurrently or in any other sequence to the loss:

              (a)  War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be
                   declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the
                   proportions of or amounting to an uprising, military or usurped power; or
              (b) Any act of terrorism.
              For the purpose of this exclusion an act of terrorism means an act, including but not limited to
              the use of force or violence and/or the threat thereof, of any person or group(s) of persons,
              whether acting alone or on behalf of or in connection with any organisation(s) or government(s),
              committed for political, religious, ideological or similar purposes including the intention to
              influence any government and/or to put the public, or any section of the public, in fear.

              This also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly
              caused by, resulting from or in connection with any action taken in controlling, preventing,
              suppressing or in any way relating to (a) and/or (b) above.


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                                                                                                               7
              If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is
              not covered by this insurance the burden of proving the contrary shall be upon the Insured.
              In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder
              shall remain in full force and effect.

(xvi)         Any Claim arising from the ownership, possession or use by or on behalf of the Insured of any
              motor vehicle or trailer for which compulsory insurance is required by law, other than Claims
              arising from damage to any motor vehicle or trailer temporarily in the Insured's custody or
              control for the purpose of parking
(xvii)        Any Claim arising from the ownership, possession or use by or on behalf of the Insured of any
              aircraft, watercraft or hovercraft, other than Malpractice arising from the emergency
              transportation of any patient accompanied by the Insured
(xviii)       Any Claim arising from damage to property owned, leased or hired or under hire purchase or on
              loan to the Insured or otherwise in the Insured's care, custody or control other than clothing
              or personal effects, except where such clothing or personal effects have been left unattended
(xix)         Any Claim arising from:

              (a) Personal injury or bodily injury or loss of or damage to, or loss of the use of property
                  directly or indirectly caused by seepage, subsidence pollution or contamination
              (b) The cost of removing nullifying or cleaning-up seeping, polluting or contaminating substances
(xx)          Any Claim arising directly or indirectly out of asbestosis or silicosis or other fibrosis of the
              lungs or any other illness or disease related to infection of the respiratory system following
              continuous or continual inhalation or ingestion or any substance or other illness or disease
(xxi)         Any Claim arising directly or indirectly from plastic or cosmetic surgery (including advice or
              treatment related thereto) unless otherwise stated in the Schedule, save that this exclusion
              shall not apply to the rendering of anaesthesia by an anaesthetist during such surgery
(xxii)        Any fines, penalties, punitive or exemplary damages
(xxiii)       The Excesses stated in the Schedule, except that this Exclusion shall not apply in respect of
              Defence Costs incurred with Underwriter's written consent.

GENERAL CONDITIONS

General Conditions 1, 2, 3 and 4, are conditions precedent to the right of the Insured to be defended or
indemnified under this Insurance.
It is understood and agreed that:

1. (a) All statements, particulars and documents referred to or contained in the Proposal hereto are
       true, and
   (b) During the Period of Insurance the Insured shall give as soon as practicable notice in writing of
       any alteration, which materially effects the risk.
2. During the period of the Insurance the Insured shall give immediate notice in writing to Underwriters
   via the Broker or Agent named herein of:

        (a) Every letter of Claim writ summons or process for Malpractice or alleged Malpractice against
            the Insured; or
        (b) Every letter of Claim writ summons or process for Public Liability or alleged Public Liability
            against the Insured; or
        (c) Every letter of Claim writ summons or process for Errors and Omissions or alleged Errors and
            Omissions against the Insured; or
        (d) The receipt of notice from any person of an intention to hold the Insured responsible for any
            Malpractice or Public Liability or Errors and Omissions; or
        (e) Any conduct or circumstance which is likely to give rise to a Claim for Malpractice or Public
            Liability or Errors and Omissions being made against the Insured; or
        (f) The receipt of notice from any person of an intention to hold any employee or other person
            performing work on behalf of the Insured responsible for any Malpractice or Public Liability or
            Errors and Omissions; or
        (g) Any conduct or circumstance by any employee or other person performing work on behalf of the
            Insured which is likely to give rise to a Claim for Malpractice or Public Liability or Errors and
            Omissions being made against the Insured; or




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                                                                                                             8
       (h) Any knowledge the Insured has that materials goods services or actions specified designed or
           recommended by the Insured or by a party for whom and for which the Insured is responsible
           have failed to meet the standard required and which might give rise to a claim against the Insured
           which (regardless of the Deductible) may be the subject of indemnity under this Certificate.

       If the Insured gives notice as required by (d) or (e), any Claim subsequently made against the Insured
       shall be deemed to have been made during the Period of Insurance.

3. The Insured shall at all times:
       (a) Maintain accurate descriptive records of all professional services and equipment used in
           procedures which shall be available for inspection and use by Underwriters or their duly
           appointed representatives insofar as they pertain to any Claim hereunder
       (b) Retain the records referred to in 3. (a) above for a period of at least five (5) years from the
           date of treatment and, in the case of a minor for a period of at least five (5) years after that
           minor attains majority, and
       (c) Give to the Underwriters or their duly appointed representatives such information, assistance,
           signed statements or depositions as Underwriters may require
       (d) Assist in the defence and investigation of any Claim or potential Claim without charge to the
           Underwriters.
4. The Insured shall not disclose to any person the terms of this Certificate, no liability shall be
   admitted, no arrangement, offer, promise, or payment, shall be made or cost or expense incurred by
   the Insured without the written consent of the Underwriters. Underwriters shall be entitled to take
   control of the defence of any Claim or to prosecute in the name of the Insured for their own benefit
   any Claim for indemnity or damages or otherwise against any third party and shall have full discretion
   in the conduct of any negotiations or proceedings on the settlement of any Claim. The Underwriters
   will not settle any Claim without the consent of the Insured. However, if the Insured refuses to
   consent to any settlement recommended by the Underwriters or their legal representatives and
   elects to contest or continue any legal proceedings then the liability of the Underwriters shall not
   exceed the amount for which the Claim could have been so settled plus the costs and expenses
   incurred with their consent up to the date of such refusal, which in any event will not exceed the
   Limit of Indemnity as specified in the Schedule and the Insured agrees to indemnify Underwriters for
   the amount of any judgment, award, settlement and Defence Costs which Underwriters are found
   obligated to pay after the date of such refusal.
5. Underwriters may cancel this Insurance in the event of non-payment of premium by giving thirty (30)
   calendar days' notice. Such notice shall be given in writing and may be served by registered mail,
   telex or facsimile transmission, or may be hand delivered to the address of the Insured as stated in
   the Schedule. Any notice sent by registered mail shall be deemed to have been served seven (7)
   calendar days after dispatch and any notice sent by telex or facsimile shall be deemed to have been
   served at the time of dispatch. If this Insurance is so cancelled the Underwriters shall retain only
   the earned portion of the Premium computed from day to day.
6. Any dispute concerning the interpretation of the Terms, Conditions, Limitations and/or Exclusions
   contained herein is understood and agreed by both the Insured and Underwriters to be subject to the
   laws of the Republic of South Africa. Each party agrees to submit to the jurisdiction of any court
   of competent jurisdiction within the Republic of South Africa and to comply with all requirements
   necessary to give such court jurisdiction. All matters arising hereunder shall be determined in
   accordance with the laws and practice of such court.

STANDARD EXTENSIONS

DEFENCE COSTS – CRIMINAL

It is hereby understood and agreed that this Certificate is extended to indemnify the Insured for all legal
costs and expenses incurred with the Underwriter's written consent, such consent not being unreasonably
withheld in the defence of criminal proceedings brought against the Insured where the conduct giving
rise to such proceedings is alleged to have occurred during a consultation with or treatment of a
patient




GPLA Dr Med Mal Wording Jan 08




                                                                                                            9
PROVIDED ALWAYS THAT:

(a)     Notification of the circumstances giving rise to the criminal proceedings has been given in
        accordance with General Condition 2;
(b)     For the purposes of this insurance, the criminal proceedings shall be deemed to be a "Claim"
(c)     There shall be no cover hereunder for proceedings commenced prior to inception of this Certificate
        or arising from circumstances which occurred on or before inception of which the Insured was
        aware (or should reasonably have been aware) might give rise to proceedings.
(d)     "Proceedings" includes an appeal against the outcome of any initial proceedings;
(e)     The Underwriters shall not be liable hereunder for the payment of any fines, penalties, vindictive or
        exemplary damages;
(f)     The total amount payable in respect of such costs and expenses shall not exceed the Limit for
        Criminal or Disciplinary Hearing Costs as stated in the Schedule.

INQUIRY DEFENCE COSTS - DISCIPLINARY AND CORONERS INQUEST

It is hereby understood and agreed that this Certificate is extended to indemnify the Insured against all
legal costs and expenses incurred with the Underwriter's written consent, such consent not being
unreasonably withheld, in connection with any legal representation of the Insured at any duly constituted
professional disciplinary tribunal or inquiry or coroners inquest (hereafter referred to as the Inquiry)
relating to any matter which may form the subject of a Claim which falls within this Certificate, provided
that the total amount payable in respect of such costs and expenses shall not exceed the Limit of
Indemnity for Disciplinary Hearing Costs as stated in the Schedule.

PROVIDED ALWAYS THAT:

(a)     The circumstances giving rise to the Inquiry could also give rise to civil proceedings and that in the
        event of such civil proceedings, but for exclusion (xiii) (b), the Insured would be entitled to
        indemnity under this insurance;
(b)     Notification of the circumstances giving rise to the Inquiry has been given in accordance with General
        Condition 2;
(c)     For the purposes of this insurance, the Inquiry shall be deemed to be a "Claim";
(d)     There shall be no cover hereunder for an Inquiry commenced prior to inception of this Certificate
        or arising from circumstances of which on or before inception, the Insured was aware (or should
        reasonably have been aware) might give rise to a professional disciplinary tribunal, inquiry or
        coroner’s inquest;
(e)     "Inquiry" includes an appeal against the outcome of any initial inquiry, hearing or proceedings;
(f)     The Underwriters shall not be liable hereunder for the payment of any fines, penalties, vindictive or
        exemplary damages;
(g)     The total amount payable in respect of such costs and expenses shall not exceed the Limit for
        Criminal or Disciplinary Hearing Costs as stated in the Schedule.
        Notwithstanding the aforegoing, Disciplinary Hearing Costs with respect to a breach of the Health
        Professions Act No. 56 of 1974 as amended from time to time, as well as any ethical codes, shall
        be deemed to be covered herein.

LIBEL AND SLANDER EXTENSION

It is hereby understood and agreed that this Certificate is extended to indemnify the Insured for Claims
made against the Insured for Libel and/or Slander committed without animosity by reason of words written
or uttered by the Insured in or about the conduct of their occupation or business as stated in the
Schedule.

It is a Condition precedent to the right of the Insured to be defended or indemnified hereunder that in the
event of a Claim the Insured shall, upon the reasonable request of Underwriters, issue an apology and
expression of regret, the form and content of which are to be approved by Underwriters. If on receipt
of such a request from Underwriters the Insured refuses to issue such an apology and expression of
regret, Underwriters shall not be liable to defend or indemnify the Insured in respect of any damages,
costs and/or expenses incurred after the date of such refusal.




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                                                                                                           10
Underwriters shall not be liable for:

(i)   Any Claims arising from the contents of any journal or publication, or in any communication or
      contribution to the press or media
(ii) Any Claims arising from Libel or Slander committed or alleged to have been committed against
      professional adversaries or business competitors
(iii) Any fines, penalties, punitive or exemplary damages
(iv) Any Claims arising from any infringement of any Data Protection Act.

LOSS OF DOCUMENTS EXTENSION

It is hereby understood and agreed that if during the Period of Insurance stated in the Schedule the
Insured shall discover that any Documents, the property of or entrusted to the Insured and which
should be in the custody of the Insured have been destroyed, irrecoverably damaged, lost or stolen, and
after diligent search cannot be found, the Underwriters will indemnify the Insured:

1.      For all sums which the Insured will become legally liable to pay as damages in consequence of such
        Documents having been so destroyed, irrecoverably damaged, lost or stolen, and
2.      For all costs and expenses incurred by the Insured in replacing or restoring such documents.
        However, any Claim for costs and expenses shall be supported by bills or accounts, which shall be
        subject to approval by Underwriters or their duly appointed representatives.
The expression "Documents" shall be deemed to mean deeds, wills, maps, plans, records, books, letters,
certificates, forms and documents of any nature whether written, printed or reproduced by any other
method (other than bearer bonds, coupons, tickets, bank notes, currency notes, negotiable instruments,
Computer Systems' records and, in respect of 1 above, medical records)

Underwriters shall not be liable for:
(i) Any Claim arising out of any infringement of any Data Protection Act
(ii) Any Claim arising from libel and/or slander
(iii) Any Claim arising from breach of confidentiality.

BREACH OF PROFESSIONAL CONFIDENTIALITY EXTENSION

It is hereby understood and agreed that this Certificate is extended to indemnify the Insured for Claims
made against the Insured during the Period of Insurance stated in the Schedule arising from any Breach
of Professional Confidentiality in or about the conduct of their occupation or business as stated in the
Schedule.
Underwriters shall not be liable under this extension for:
(i)   Any Claims arising from libel or slander
(ii)  Any Claims arising from the loss of any documents the property of or entrusted to the Insured, or
      the costs and expenses incurred by the Insured in replacing or restoring such documents
(iii) Any Claims arising from any infringement of any Data Protection Act.

DISHONESTY OF EMPLOYEES EXTENSION

It is hereby understood and agreed that this Certificate is extended to indemnify the Insured for Claims
arising out of financial loss to third parties caused by dishonest fraudulent or criminal acts of
employees of the Insured in or about the conduct of the Insured's occupation or business as stated in the
Schedule and for which the Insured shall become legally liable.

Underwriters shall not be liable under this extension for:

(i)     Any Claims arising from any professional service rendered which is not in the conduct of the
        Insured's business or occupation as stated in the Schedule,
(ii)    Any Claims made against any person who is, has been or may become during the Period specified in the
        Schedule, a principal, partner, director, a member of any ethics committee, employee or volunteer
        of the Insured named in the Schedule in respect of Claims arising from work undertaken that is not
        on behalf of the Insured,



GPLA Dr Med Mal Wording Jan 08




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(iii) Any Claims made by any Company in which the Insured has a controlling interest unless the original
       Claim emanates from an independent third party,
(iv) Cross Liabilities which shall be deemed to mean Claims made against any Insured party by any other
       Insured party,
(v) Any Claims arising out of or relating directly or indirectly from the insolvency or bankruptcy of the
       Insured or a company that the Insured has a controlling interest,
(vi) Any Claims brought about or contributed by the Insured(s),
(vii) Any Claims arising out of Infringement of Copyright, Registered Designs, Trade Marks or Passing Off
       or any Infringement of any Data Protection Act,
(viii) Any Claims arising out of or relating directly or indirectly to loss of documents, breach of
       confidentiality, libel, slander or defamation.

It is a condition precedent to the right of the Insured to be defended or indemnified hereunder that the
Insured shall during the Period of Insurance give immediate notice in writing of the discovery of
reasonable cause for suspicion of fraud or dishonesty on the part of their employees, whether giving
rise to a claim under this extension or not, and the Underwriters shall not be liable for any claims
arising from any loss sustained resulting from any act committed after the date of such discovery on the
part of the employee or employees concerned.

RUN-OFF COVER

In the event of Death, Permanent Retirement, ceasing to work due to serious illness or disablement,
ceasing to practice as a Registered Healthcare Practitioner, or pregnancy occurring during the Period
of Insurance, the Insured may opt to extend the Period of Insurance, without any further payment of
premium to the Insurer, as stated in the schedule for a further Period (the “Extended Reporting Period”)
of 36 months. Application for Subsequent Extended Reporting Periods can be made to Insurers which will
be subject to prevailing underwriting criteria at the time of application always provided that:
(a)     The Insured's right to so opt for the Extended Reporting Period shall not exist should the Insured's
        license or right to practice be revoked, suspended or surrendered, or if there has been any breach
        of the terms of this Policy by the Insured, and
(b)     The full amount of all premiums due by the Insured prior to commencement to the Extended
        Reporting Period shall have been paid, and
(c)     The Insurance provided by this Certificate during this Extended Reporting Period shall not apply to
        Claims made against the Insured by reason of any Malpractice or Public Liability or Errors and
        Omissions committed or occurring on or after the commencement date of this Extended Reporting
        Period, or arising from a Claim and/or circumstances known to the Insured prior to the
        commencement date of this extended Reporting Period, and
(d)     Underwriters' total Liability in respect of the Period of Insurance as stated in the Certificate
        together with the Extended Reporting Period opted for hereunder shall in no event exceed the Limit
        of Indemnity as stated in the Schedule, and
(e)     This option shall expire if it is not exercised by the Insured or an authorised representative within
        30 days after expiry of the period of Insurance.
Any application for Subsequent Extended Reporting Periods, shall also be subject to provisions a) to d)
above, and the terms and conditions of the Subsequent Extended Reporting Periods shall be mutually
agreed prior to expiry of the Extended Reporting Period.

JURISDICTION ENDORSEMENT

Notwithstanding the terms contained within the Insuring Clause of this Certificate, it is further nderstood
and agreed that the Insured will only be defended or indemnified under this Certificate for Claims made in
the following country or countries:

1.      Republic of South Africa
2.      Botswana
3.      Namibia
4.      Lesotho
5.      Swaziland


GPLA Dr Med Mal Wording Jan 08




                                                                                                          12
COMPLAINTS PROCEDURE

Marketform are committed to providing you with a high quality service, which we expect to maintain
throughout the duration of the Certificate. In order for this level of service to be fully appreciated by
you, we would first ask you to read through this Certificate document carefully to ensure you
understand the extent of the coverage provided and the conditions and exclusions that apply –
particularly what is required of you if and when you become aware of a claim or a circumstance which
may give rise to a claim being made against you.

If you have any questions or concerns about your policy, which cannot be answered to your satisfaction
by your Broker, then please contact us at the address set out below.

If you have any complaint or issues over the handling of a claim you should, in the first instance, please
contact the Compliance Officer at the address set out below.

If you feel that we have not offered you a first class service, please write and tell us at the address set
out below and we will do our best to resolve the matter with you.

Contact Address:
Marketform Ltd                          E-Mail address:         info@marketform.com
40 Lime Street                          Telephone:              +4420 7488 7700
London EC3M 5EA                         Facsimile:              +4420 7488 7800

If you are unable to resolve the situation with us and wish to make a complaint, you can do so at any time
by referring the matter to the Complaints Department at Lloyd's, whose contact details are as follows:

Complaints Department:
Lloyd's                                 E-Mail address:         Lloyds-Regulatory-Complaints@Lloyds.com
One Lime Street                         Telephone:              +4420 7327 5693
London EC3M 7HA                         Facsimile:              +4420 7327 5225

Complaints that cannot be resolved by the Complaints Department may be referred to the Financial
Ombudsman Service. Further details will be provided at the appropriate stage of the complaints
procedure


COVERHOLDER DETAILS

The Coverholder may be contacted with regard to any issues concerning this Certificate and the contact
details are as follows:

C/O GENERAL & PROFESSIONAL LIABILITY ACCEPTANCES (PROPRIETARY) LIMITED

106A York House, Epsom Downs Office Park, 13 Sloane Street Bryanston
P.O. Box 2667 Fourways 2055

Tel: 011 706 0911                       Fax: 011 463 7084




GPLA Dr Med Mal Wording Jan 08




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