Professional Indemnity Insurance for Doctors

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Professional Indemnity Insurance for Doctors Advantage

Universally Accepted
Insurance recognized by hospitals that you work in, in India and overseas. Meets contractual requirements that you may have
Comprehensive Cover
Covers claims made by your patients for negligence or wrong treatment or mishaps. The insurance will pay the costs of litigation, court fees and settlements. We typically place these insurance with an Any one Accident : Any one Year ratio of 1:1. This implies that you can claim your full sum assured for any claim. 1:2 and 1:4 ratios are also common but severely restrict your cover
Original Retroactive Date
Covers claims related to any event after the retroactive date. This is specified as the start date when the first professional indemnity insurance was bought. So, if you have an insurance in force for the past three years and there is a suit pertaining to a surgery or case two years ago that will be covered
Legal support
Some insurers will provide you legal advice and support to defend yourself. In a few cases they will take on the obligation of fighting your case

Why Claims Get Rejected?

Prior period exclusion

Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the professional liability insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal.

Known issues

Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the doctor became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first professional indemnity cover.

Unlawful practice

If the information in the proposal form is different from actual practice you run the risk of claim rejection. For example, you may state that you have trained nurses but may not; you may have used an OT that is not properly licensed; or not declared your specialty appropriately in the form. We address this by ensuring that the proposal form is well filled and you understand the implications of each information

Why SecureNow

Deep
Product Knowledge

We have specialized liability underwriters and tie-ups with international experts.

Cost-effective
Insurance

We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added
Services

We will advice you on risk management best practices.

Policy Administration
System (PAM)

See all your contracts renewal information in one place. Place service requests on PAM.

FAQs

Doctor’s indemnity insurance policy can be taken by hospitals, individual physicians belonging to different areas of specialization, including the nursing staff and other technical and non-technical personnel’s working in a medical setting.
The doctor’s indemnity policy ceases to apply against liability arising due to -
  • Criminal act & fraudulence
  • Any surgery or procedure performed under the influence of alcohol or narcotics
  • Weight reduction procedure
  • Cosmetic procedure
  • HIV/AIDS
  • Blood Banks etc.
There are various factors that influence the premium amount under doctor’s professional indemnity plan such as –
  • The area of specialization or risk group of the practitioner
  • The size of the hospital or the number of patients the physician attends to in a day
  • Past claim settlement
  • Limit of indemnity etc.
The duration of doctor indemnity insurance scheme is typically 1 year, after which the policy can be renewed to avail protection against liabilities.
Dentists who own private practice are generally not covered by doctor’s professional indemnity insurance policy. However, if dental procedure is conducted in a hospital with or without the use of anesthesia, medical complication arising from that may be covered by the professional indemnity insurance for doctors. It is best advised to check with the insurer regarding the same.
As soon as the insured gets a legal notice or learns about a medical negligence, error or omission, the insured musts start preparing to file for a claim settlement.

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