View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Insurance recognized by hospitals that you work in, in India and overseas. Meets contractual requirements that you may have
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
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
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
Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal
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
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
Provide the completed claim form, legal notices, court and other correspondence on the matter, estimate of legal fees, letter of subrogation. Prescription copies or medical records are also helpful. Do not admit liability without informing the insurer.
Extensions can be purchased to cover litigation overseas as well, by your foreign patients. An emergency cover can be purchased that provides money to you at short notice.
The main exclusions are known issues, prior acts, unlicensed practice and surgeries outside your typical scope. This is a long list but we can help you navigate and understand these exclusions.
We have specialized liability underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.