The IBNR indemnity scheme covers an incident if:
(a) the incident occurred on or before 30 June 2002; and
(b) the incident occurred in the course of, or in connection with, the practice of a medical profession by a person; and
(c) on 30 June 2002, the person had incident - occurring based cover with an MDO for the incident; and
(d) the MDO:
(i) was not notified of the occurrence of the incident; and
(ii) was not notified of any claim against or by the person in relation to the incident;
before 1 July 2002; and
(e) the MDO is the participating MDO.