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ICICI Lombard General Insurance Company's Indemnity Insurance for Doctors

ICICI Lombard General Insurance Company’s Indemnity Insurance for Doctors is one of the best indemnity insurance for doctors in India offering comprehensive coverage at best premiums. This insurance plan covers radiologists, pathologists, general physician, specialised physician/ physician-consultants, specialists, surgeons (including dentists), anaesthetists and plastic surgeons (for accidental plastic surgeries) for accidental professional negligence. This insurance plan helps insured doctors legally and financially against claims that are not their fault. This insurance policy covers legal fees, court awarded damages and compensation for claims arising out of medical negligence, breach of confidentiality and loss of documents of third party. This insurance plan also provides a panel of advocates to the insured-doctor to tender legal advice and take up legal defense in case of a claim.

Compare ICICI Lombard's Doctor Indemnity Insurance

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Highlights

Provides panel of advocates

Covers Plastic Surgeons as well

Issues policy online, instantly

Provides sum insured options upto 5 Crores

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply.

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ICICI Lombard General Insurance Company’s Overview

ICICI Lombard General Insurance is one of the leading private sector general insurance companies in India. The Company provides an array of comprehensive and well-diversified non-life insurance products and risk management solutions to secure customers and their family against unexpected and untoward events. ICICI has a strong, diversified, and seamless distribution channel, online and offline, both to cater to the needs of its individual, corporate, MSMEs and government customers. It is one of the leading private sector non-life insurance companies in India based on GDPI (since FY2004). It has been conferred the ‘Best CSR Initiative-Non-life Category’ award for ‘Caring Hands’ campaign. In an ever-evolving digital world, ICICI Lombard has focused on building a robust technology infrastructure and continually enhancing it to deliver a delightful customer experience and enable seamless operations for its sales and distribution channels.
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Compare and Save upto 70%*

On Doctors Professional Indemnity

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

TOP PLANS

Doctors Professional Indemnity

By ICICI Lombard General Insurance

Specialization
Radiologist
Specialization
Radiologist
Sum Insured
₹ 1 Crore
Sum Insured
₹ 1 Crore
Premium(including Taxes)
₹ 2360
Premium(including Taxes)
₹ 2360

Doctors Professional Indemnity

By ICICI Lombard General Insurance

Specialization
Surgeons
Specialization
Surgeons
Sum Insured
₹ 1 Crore
Sum Insured
₹ 1 Crore
Premium(including Taxes)
₹ 7080
Premium(including Taxes)
₹ 7080
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How to buy ICICI Lombard’s Professional Indemnity Insurance for Doctors?

ICICI Lombard General Insurance Company is one of the leading insurers in Indian Insurance Industry for Liability Insurance. It has served over 35000 medical practitioners in a year across the country and this number is growing significantly. Insured doctors can also avail out of court settlement of claims (i.e., one need not go to court for claim settlement). ICICI’s Doctors Professional Indemnity Insurance protects the insured-doctors against the claims arising from medical cases practiced in past years of practice in case this insurance policy has been renewed every year, timely. This insurance policy can be issued to any doctor who is more than 18 years of age and has a valid medical registration certificate (except for pure cosmetics/beautification procedures).
One can buy ICICI Lombard’s Doctors Professional Indemnity Insurance Policy online in just a few clicks. You are requested to follow the below mentioned 5 steps:

1. Visit www.securenow.in, go to ‘Profession’ and then select ‘Doctors’

2. Enter your contact details, select individual practice and your specialization, and check quotes online

3. Select the final option and click on ‘Buy Now’

4. Fill the proposal form online and make the payment online

5. Get online policy copy at your registered email id, instantly

Any Questions?

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Buy Doctor Indemnity Insurance coverage upto 5 Crore*

Premium starting from ₹708/person per annum*

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ICICI Lombard’s Professional Indemnity Insurance for Doctors at a Glance:

Doctors Indemnity Insurance coverage offered by ICICI Lombard is highlighted in the table below.

ParticularsCoverage
Radiologists, Pathologists & General Physician
Consultants (Non-Surgeon)
Surgeons (including dentists)
Anesthetists
Plastic Surgeons (for accidental plastic surgeries only)
Discounted & Affordable Premiums
Lawyer Panel
Territory & JurisdictionIndia
AOA: AOY1 : 1
Excess: India0.25% of the claim amount subject to minimum of INR 12,500 for each and every claim
Retroactive Date Restoration in case of no break in policy
Out of court settlementUp to full limit of indemnity
Defense Cost
Loss of documents
Defamation(Libel and Slander, both)
Breach of Confidentiality

ICICI Lombard’s Doctors Professional Indemnity Insurance Plans:

Premium for ICICI Lombard’s Doctors Professional Indemnity Insurance in India is to be paid annually. ICICI Lombard’s Doctors PI insurance plans are one of the most affordable insurance plans. Please find below some examples:

  • For Radiologist, the premium including taxes for 1 Crore sum insured is Rs. 2360

  • For Surgeons, the premium including taxes for 1 Crore sum insured is Rs. 7080

    • Exclusions of ICICI Lombard’s Indemnity Insurance for Doctors:

    This Policy shall not indemnify the Insured against any claim arising out of or in respect of:
    (i) Any criminal act or act committed in violation of any law or ordinance.
    (ii) Services rendered while under the influence of intoxicants or drugs.
    (iii) Any procedure performed by dentists and dental surgeons of 1) general anesthesia or 2) any procedure carried out under general anesthesia unless performed in a hospital.
    (iv) The use or prescription of drugs for weight reduction course.
    (v) Cosmetic plastic surgery, hair transplants, punch grafts, flap rotations and the like (hereinafter referred to as "cosmetics") it being understood that the following shall not be deemed to be cosmetics:
    1. Anesthetic, x-ray or other medical, nursing or laboratory services provided in relation to the performance of cosmetics.
    2. Plastic surgical repair of scar tissue being the result of previous surgery unrelated to cosmetics performed by the Insured.
    3. Plastic surgery in connection with burns or other traumatic Injury.
    (vi) Third party public liability.
    (vii) Any condition directly or indirectly caused by or associated with Human T-Cell Lymphotropic Virus type III (HTLV 111) or LYMPHADENOPATHY ASSOCIATED VIRUS (LAV) or the mutants, derivatives, or variations thereof or in any way related to Acquired Immune Deficiency Syndrome or any Syndrome or condition of a similar kind howsoever it may be named.

    (viii) Any liability assumed by the Insured by agreement, and which would not have otherwise been attached in the absence of such an agreement.

    (ix) Deliberate, wilful or intentional non-compliance with any statutory provision.

    (x) Loss of a purely financial nature such as loss of goodwill, loss of market etc.

    (xi) All personal Injury suits for grounds such as libel, slander, false arrest, wrongful conviction, wrongful detention, defamation, etc. and mental Injury, anguish or shock resulting therefrom.

    (xii) Fines, penalties, punitive or exemplary Damages.

    (xiii) Directly or indirectly occasioned by occurring through or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

    (xiv) Directly or indirectly caused by or contributed to by:

    1. Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
    2. The radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
    3. Arising out of genetic injuries caused by x-ray treatment/diagnosis or treatment/diagnosis with radioactive substances.
    (xv) In respect of professional services rendered by the Insured prior to the Retroactive Date specified in the Schedule.

    (xvi) The deliberate, conscious, or intentional disregard of the Insured's technical, administrative or management instructions in respect of taking all reasonable steps to prevent claims by its employees.

    (xvii) Injury to any person being under a contract of employment or apprenticeship with the Insured, or the Insured's contractor (s) and/or sub-contractor (s) when such Injury occures in the course of duties performed under such contract or apprenticeship.

    (xviii) Any services performed beyond the scope of professional services, treatments, advice typically rendered as a physician/doctor under domestic legislation, ethical codes, and rules.

    (xix) The operation of blood banks except where these are purely providing blood or blood products for the herewith Insured operations.

    (xx) Total Asbestos Exclusion - any actual or alleged liability whatsoever, directly, or indirectly caused by or resulting from or in consequence of or contributed by or arising out of asbestosis or any related disease (including cancer) resulting from the existence, production, processing, manufacture, sale, distribution, storage, deposit or use of asbestos, asbestos products and/or products containing asbestos in whatever form or quantity.

    (xxi) Terrorism Exclusion - any loss of or Damage to Property or legal liability arising directly or indirectly as a result of or in connection with Terrorism (including, without limitation, contemporaneous or ensuing loss or Damage or legal liability caused by fire and/or looting and/or theft). Definitions that apply for purpose of this exclusion:

    Terrorism means any act or acts of force and/or violence:

    1. For political, religious, or other ends; and/or
    2. Directed towards the over-throwing or influencing of the Government de jure or de facto; and/or
    3. For the purpose of putting the public or any part of the public in fear by any person or persons acting alone or on behalf of or in connection with any organisation.

    In any claim and in any action, suit, or other proceedings to enforce a claim under this Policy, the burden of proving that such claim does not fall within the Terrorism Exclusion set out above shall be upon the insured. All other terms and conditions of the Policy shall remain unaltered.

    (xxii) Electromagnetic Radiation Exclusion- any actual or alleged loss of or Damage to property or liability whatsoever, directly, or indirectly caused by or resulting from or in consequence of or contributed to buy or arising out of non-ionic radiation, including but not limited to Electro-Magnetic Fields and/ or Electro-Magnetic Interference.

    (xxiii) Genetically Modified Organisms Exclusion - any actual or alleged loss of or Damage to property or liability whatsoever, directly, or indirectly caused by or resulting from or in consequence of or contributed by or arising out of existence, production, processing, manufacture, sale, distribution, storage, deposit, consumption, or use of Genetically Modified Organisms ("GMOs").

    For the purpose of this exclusion, GMOs shall mean and include:

    (i) Organisms or micro-organisms or cells, or the organisms or micro-organisms, cells, or cell organelles, from which they have been derived, which have been subject to a genetic engineering process which resulting in their genetic change.

    (ii) Every biological or molecular unit with self-replication potential, or biological or molecular unit with self-replication potential from which they have been derived, which has been subject to a genetic engineering process which resulted in its genetic change.

    In the event that the definition of GMO under the applicable laws and/or official regulations relating to applicable laws and/or official regulations relating to genetic engineering or modification in any State, territory or jurisdiction in which a claim is made is wider than the foregoing then such wider definition shall be deemed to be a part of this definition in addition to the foregoing.

    (iii) TSE Exclusion - any actual or alleged loss of or Damage to property or liability whatsoever, directly, or indirectly caused by or resulting from or in consequence of or contributed by or arising out of transmissible spongiform encephalopathy ("TSE"), including but not limited to bovine spongiform encephalopathy ("BSE") or new variant Creutzfeld-Jakob disease ("CJD").

    How to renew ICICI Lombard’s Doctor Professional Indemnity Insurance Policy?

    Renewing an insurance policy is a must to restore your last year’s policy benefits. For our own renewal cases, we send multiple renewal reminders to customers, which start 45 days before the due date of renewal. In case of our ICICI's doctor professional indemnity insurance, one can renew the policy either by following the below mentioned steps or by sending us your last year's policy copy and claims’ details at support@securenow.in to get assistance to complete the renewal process, timely, i.e., before the due date of renewal of policy:

    1. Visit www.securenow.in, go to ‘Profession’ and select ‘Doctors’

    2. Enter your contact details, select your specialization and calculate quotes online

    3. Finalize the option and click on ‘Buy Now’

    4. Fill the proposal form online and make the payment online

    5. Your policy copy will get issued at your registered email id, instantly

    How to file a claim under ICICI Lombard’s Doctor Professional Indemnity Insurance?

    To file a claim under ICICI’s Doctor Professional Indemnity Insurance, insured doctor must follow the below steps:

    • On occurrence of any act, whether or not the insured receives any notice of an alleged claim, the insured doctor shall duly inform us, detailing the accident.
    • The insured doctor, if in receipt of any notice of an alleged claim or anticipates any claim, shall furnish the same to us without any delay.
    • We will get a lawyer appointed for you in concurrence with the insurer. The lawyer will then help you respond to the notice and any further court proceedings.
    • If the insured doctor is willing to enter a compromise/settlement with the claimants, then the insured doctor shall first seek the permission of the insurer and shall only do so with prior written approval of the insurer.
    • For any legal liability that is admitted or in terms of an order of court of competent jurisdiction, the insured-doctor shall submit a duly filled 'Claim Settlement Form' within 14 days from the date of such admission or court order, detailing the liability accrued and the defense costs, if any or any other information that the insurance company may require.
    • The insured doctor shall furnish the duly filled-in forms with all material documents, as specified therein or as requested by the insurer. Also, to submit the hard copies of the claim documents, timely. In case of any query or concern, please reach out to us at +91 96966 83999 or write to support@securenow.in.
    • Subject to the applicable law, rule, regulation or notification in this behalf, the Company hereby reserves the right as provided hereafter.

    No claim in respect of loss equals to or exceeding Rs. 20,000/- (Rupees Twenty Thousand only) in value shall be admitted for payment or settled by ICICI unless it has been given a report on the occurrence of the loss and extent of the loss, from a person who holds a license to act as a surveyor or loss assessor, under the Insurance Act, 1938, and appointed by the insurance company for the purpose.

    Frequently Asked Questions

    ICICI Lombard General Insurance Company is one of the leading private sector insurance companies. In FY 2022-23, it has issued 2.93 crores policies in total and has settled over 23 lakhs claims. It has over 12000 network garages and over 6700 healthcare providers. For the year ended 31st March 2022, ICICI Lombard has done a gross written premium of Rs. 18562 Crores. The profit after tax for the financial year ended March 31, 2022, is 1271 crores. With all this, ICICI continues its journey of growing profitably through robust and prudent underwriting practices, generation of cash flows, through strong retention of premium and judicious investments of the proceeds and focus on high quality customer service.
    ICICI has a comprehensive and diverse product portfolio and an expanding distribution network. Its aim is to increase penetration in Tier 3 & Tier 4 cities in India. In FY 2022, ICICI Lombard General Insurance Company’s offices are as below:
    Branches 283
    Virtual Offices 908
    Agents (incl. POS) 88,545
    Call Centre Executives 679
    Professional Indemnity Insurance for Doctors is one of the types of liability insurance policies which is specifically designed for doctors. ICICI’s Doctors Liability Insurance policy covers insured’s legal fees, court awarded compensation and settlements against the claims arising out of medical negligence, loss of documents and breach of confidentiality anywhere in India in accordance with Indian law. The insurance cover applies only to claims arising out of bodily Injury and/or death of any patient caused by or alleged to have been caused by error, omission or negligence in professional service rendered or which should have been rendered by the Insured.
    Breach of legal duty of care by a medical practitioner while rendering the services, resulting in bodily injury, sickness and/or death of any patient. ICICI Lombard’s Doctors Indemnity Insurance Policy indemnifies the insured for medical negligence and pays legal fees and expenses anywhere in India in accordance with Indian Law.
    Malpractice insurance is a type of liability insurance which is designed for healthcare professionals. This policy helps medical practitioners and experts in settling the claims (as per policy terms) that may arise due to medical negligence, errors, omission, mishaps done by insured doctor while rendering the professional service.

    A wide range of sum insured options is available for ICICI Lombard’s Medical Indemnity Insurance for Doctors, which is as follows:

  • Sum Insured options’ range for Online Doctor Insurance: 10 Lacs to 5 Crore
  • Sum Insured options’ range for Offline Doctor Insurance: More than 5 Crore

    • In case of online indemnity insurance for doctors, the policy copy gets issued to the insured, instantly once the payment is made. In case of offline policy purchase, the medical indemnity insurance copy gets issued at client’s registered email id within 7-10 working days.

    The claim settlement ratio of ICICI Lombard General Insurance Company is as below:
    Insurance Claim settlement ratio (first 30 days)
    Health 99.70%
    Travel 98.60%
    Motor Own Damage 93.40%
    ICICI Lombard’s Doctors Professional Indemnity Insurance Policy does not cover:
  • Fines and Penalties
  • Punitive & Exemplary Damages
  • Services rendered under influence of intoxicants/narcotics
  • Any Criminal act Violation of Law/ordinance
  • Pure Financial Losses
  • Liabilities arising out of pure cosmetic procedures
    • Yes, the customer can buy ICICI’s Doctor Indemnity insurance online from SecureNow in just a few clicks. While making the online purchase you can fill in the proposal form online. Also, by choosing ICICI Lombard for buying your medical professional indemnity insurance, you can get your policy copy at your registered email id, instantly once you are done with making the payment.
    Yes, ICICI Lombard General Insurance Company’s Doctors Professional Indemnity insurance policy covers Plastic Surgeons (but covers only accidental surgeries). Cosmetic and plastic surgeries fall under the standard exclusions of doctors indemnity insurance product but ICICI Lombard General Insurance Company provides coverage for Plastic (for accidental plastic surgeries only) in its online indemnity insurance, that too at affordable premiums.
    ICICI Lombard’s Doctors Professional Indemnity Insurance cover applies only to claims arising out of bodily Injury and/or death of any patient caused by or alleged to have been caused by error, omission or negligence in professional service rendered.

    The documents required to register a claim under ICICI Lombard’s Professional indemnity insurance policy are as below:
  • Claim notice
  • A duly filled and signed claim form
  • Copy of the policy document
    • FAQ Insurer Image