Mae cyhoeddi cynllun o’r fath yn mynd i helpu i roi sylw i bryderon meddygon teulu am fforddiadwyedd premiymau indemniad proffesiynol a'r effaith bosib ar wasanaethau a materion ehangach fel recriwtio a chadw meddygon. Amcangyfrifir bod premiymau indemniad wedi codi 7% y flwyddyn ar gyfartaledd rhwng 2013 a 2017.Ymysg y ffactorau sy'n arwain at godi costau indemniad mae poblogaeth sy'n heneiddio; arloesi technolegol mewn meddyginiaeth sy'n cadw pobl yn fyw am gyfnod hwy; cynnydd yn nifer y bobl sy'n byw â chyflyrau cymhleth a diwylliant o hawlio iawndal.
The announcement of a state backed scheme for providers of GP services in Wales will help address the concerns of GPs about the affordability of professional indemnity premiums and its potential impact on services and wider GP recruitment and retention.  It is estimated that indemnity premiums have increased by 7% per year on average between 2013 and 2017.   Among the factors driving the increasing cost of indemnity is an ageing population; technological innovation in medicine which keeps people alive longer; an increase in people living with complex conditions and an increasing claims culture.