There are apparently no insurers in the UK willing to extend cover to independent midwives, and so independent midwives and their clients operate in an insurance-free zone, which is risky, but it was apparently a risk everyone was willing to take. However, a new EU regulation mandates that midwives operate with insurance, and once that regulation is implemented locally, it will end the practice of independent midwifery in the UK unless there's some drastic action to create an insurance policy to which independent midwives may subscribe.
We had our daughter at home with an NHS midwife, and it was wonderful. Not everyone is lucky enough to live in the cachement of a hospital with midwives who'll help mothers deliver at home (especially now as NHS budgets are being slashed to ribbons across the country). If this rule comes to pass in the UK without any insurance fix, having a baby safely at home will become effectively illegal for families across the country.
A silent protest is scheduled for today at the House of Commons:
This campaign continues with a Silent Protest and march in Westminster on Monday 25 March, from 11am, to lobby Government to protect women's right to choose their maternity care and find a solution to the issues raised by an EU Directive.
Independent Midwives are registered midwives who have chosen to work outside the NHS to be able to offer continuous care and support to women who choose it. This is the kind of autonomous midwifery that you see in the hugely popular programme "Call the Midwife". Nowadays it is mostly only independent midwives who are able to provide what David Cameron once called "gold standard care". Due to staff shortages and budgetary pressures very few NHS Trusts are able to provide this kind of care.
Sally Randle is an independent midwife in Bristol, offering local women an alternative to NHS care. Sally says, "I was lucky enough to practise this way in the NHS in London, but local maternity services did not provide this way of working. I decided to become an independent midwife so I could continue this rewarding work. I love my job; I don't even mind getting up in the night to go out to a birth because I know the family well and feel privileged to be involved in this amazing time in their lives".
I can't figure out why insurers can't sort this out. The actuarial data set is robust and well-established. The potential liability, though high, is calculable. If you can get insurance to juggle machetes in Covent Garden (high potential liability, small data set, massive individual variation), why the hell can't indie midwives get cover?