Universal hospital doctor at Scottish island loch (13)
I believe the answer is:
international
'universal' is the definition.
(I've seen this before)
'hospital doctor at scottish island loch' is the wordplay.
'hospital doctor' becomes 'intern' (trainee doctor).
'scottish island' becomes 'Iona' (island of the Hebrides).
'loch' becomes 'l'.
'intern'+'at'+'iona'+'l'='INTERNATIONAL'
(Other definitions for international that I've seen before include "Global - game between countries" , "player for his country" , "Eg, rugby game" , "Worldwide" , "Match between countries" .)