DHAA

FAQ's

What is Professional Indemnity Insurance?

Professional Indemnity insurance protects you against allegations or claims of financial loss due to injury or damages that have resulted from a negligent act, error, omission, malpractice or breach of duty that has arisen out of your professional capacity as a Dental Hygienist.

How can I purchase Professional Indemnity Insurance?

Professional Indemnity Insurance is automatically included in your DHAA membership.

I am planning to retire. Can I stop carrying Professional Indemnity Insurance?

When you retire (resign your license to practice) your Professional Liability policy will provide coverage for those professional services rendered prior to your retirement; known as ‘run-off’, provided you have advised BMS Group. Additional premium may apply.

Please contact a member of the BMS team on 1800-940-762 or at dhaa@bmsgroup.com for more information.

Please contact DHAA to ensure you have updated your membership status accordingly.

I am on leave of absence from the profession. Do I need to carry Professional Indemnity Insurance?

If you are no longer actively practicing due to a leave of absence (including parental leave or sickness) your Professional Liability policy will  provide coverage for those professional services rendered prior to your leave of absence, known as 'run-off', provided you have advised BMS Group an additional premium will apply. Please contact a member of the BMS team on 1800-940-762 or at dhaa@bmsgroup.com for more information.

Please contact DHAA to ensure you have updated your membership status accordingly.

What advantages does this group plan have for members?

DHAA members now have access to a range of benefits, including:

  • Increased Risk Management
  • CPD Support
  • Legal services, including pro bono hotline

The group plan allows DHAA members to pool their collective risk and negotiate better rates with insurers – resulting in a more cost-effective product and premium savings for participants.

I’m not a member of DHAA. Am I still eligible to purchase this insurance?

In order to be eligible for the DHAA group insurance program, you must be a member of DHAA. As one of its member benefits, DHAA has negotiated with the broker and insurance company to provide discounted insurance rates to its members. To learn about DHAA membership, please visit dhaa.bmsgroup.com

Can BMS assist with other insurance products?

Yes, this includes Public Liability. For more information, contact a member of the BMS team on 1800-940-762 or at dhaa@bmsgroup.com

What is the Refund and Cancellation Policy?

BMS is a AFS Insurance license holder and we supply all purchasers of an Insurance contract a Financial Services Guide (FSG) which outlines the cancellation policy:

If your insurance contract is cancelled or varied before the expiry of the period of insurance, you will be paid any refunded pro-rata premium received from the insurer. We will retain all of our commission, fees and other remuneration in full in the event of any early cancellation or variation of your insurance contract or adjustment of premium. We may charge an additional fee for processing your request to cancel, or vary your insurance contract and you agree that this fee may be offset against any premium pro-rata refund you are entitled to.