CNORIS is a risk transfer and financing scheme for NHSScotland, which was first established in 1999 by the Scottish Government Health Directorates in partnership with Willis Ltd. On the 1st September 2013 NHS National Services Scotland (NSS) became the appointed scheme manager. Its primary objective is to provide cost-effective risk pooling and claims management arrangements for Scotland's NHS Boards and Special Health Boards. We work closely with these organisations and their legal advisors to provide a seamless risk transfer solution.
What are the scheme's basic objectives?
- To provide advice on clinical and non-clinical scheme coverage to all parts of the NHS in Scotland
- To support scheme Members in an advisory capacity in order to reduce their risks
- To indemnify our Members against losses which qualify for scheme cover
- To allocate equitable contributions amongst our Members to fund their qualifying losses
- To provide Members with scheme financial updates throughout the year to help with end-of-year budgeting
- To help manage risk by providing Members with clinical and non-clinical loss analysis throughout the year
How does the scheme work?
The Scottish Government Health and Social Care Directorate (SGHSCD) fund all large losses (ie. those which breach CNORIS scheme deductibles) during each financial year. At the end of the financial year, we then collect funds from Members to pay back the deficit accrued in-year by SGHSCD. In order to share the cost fairly between Members, we create clinical and non-clinical risk profiles which determine relative risks for each organisation. The total annual deficit is then shared between Members according to their proportion of the overall risk. In eliminating the need to forecast losses, or to reserve funds within the scheme, Members contribute to losses only during the period in which they have settled, enabling the service to retain funds for investment in healthcare for the longest possible period.