The BDA Indemnity Underwriting Committee (UwC) regularly meets twice a week to assess any new applications that suggest an unusual level of risk. Using the information supplied by the dentist, the majority of clues above are not referred to the UwC, but approximately a quarter of the applications meet the very specific criteria that need to be reviewed. This material is inevitably sensitive in its content, so every document is meticulously de-identified and references to other parties similarly anonymised before secure circulation.
The UwC comprises insurance experts, people with years of experience in dental underwriting and/or handling cases, experienced clinicians and practice owners, and representatives of the BDA to protect the interests of BDA members both individually and collectively. Everyone concerned takes these responsibilities very seriously, demonstrating admirable commitment to fairness and consistency.
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