Qualifying as a medical practitioner is a matter of great pride and honour. It is because it offers the noble role of providing medical care to treat and cure another life. As a doctor, you diagnose the patient’s ailment and carry out the treatment process. In case of minor ailments, you would usually cure the patient by giving medicines or doing a small surgery, but in the case of significant diseases, you carry out complicated and risky operations.
Right from the diagnosis to the completion of the treatment, a doctor takes many steps to cure the patient. However, if something happens to the patient during this time, and their family claims compensation from you or you are charged with a penalty, then you will be faced with a substantial financial liability. Keeping this risk in mind, insurers offer medical indemnity cover to safeguard you against such situations.
There are several risky surgeries that are included under the medical professional indemnity coverage. Some of these procedures are as follows:
- Transplant Surgery
Given the rate of organ damage nowadays, transplant surgeries have become very common. These involve the replacement of the original organ in the body with the donor’s organ. This is often accompanied by blood loss and it carries a high risk of complications arising during or after the transplant.
- Bypass Grafting
Due to increasing incidents of heart attacks, and arterial congestion, bypass surgery to improve blood flow, that runs for long hours involves and many complications, even risk of loss of life.
- Brain Surgery
Also called Craniectomy, this surgery presents even more risks as it requires that a piece of the patient’s skull is removed to access the brain and it is not replaced after the operation is complete. Even after surgery, the risk of brain damage remains in the form of excessive fluid build-up in the brain, seizures, spinal fluid leakage, stroke, swelling of the brain, and other such serious risks.
- Spinal Osteomyelitis Surgery
Spinal osteomyelitis surgery that corrects a spinal infection is another complicated surgery as Infections of the spine are extremely destructive, and thus comes with a lot of risks. If surgery goes wrong, the patient may even suffer from complete or partial paralysis or other serious infections.
- Dental Surgery
Dental surgeries are also highly complicated and can cause significant pain and suffering to the patient in case something goes wrong. All the procedures like root canal surgery and apicoectomy, and several other kinds too, involve the risk of causing damage not just to the oral system, but also to internal organs by way of saliva.
These are only some of the risky surgeries mentioned here, when, in fact, there are many more medical procedures that expose you to considerable risk.
How will Doctor’s Indemnity Cover Help You?
The coverage provided by this doctor’s professional indemnity depends on policy features which are often different from plan to plan. However, generally, the coverage includes the following-
- Financial loss caused to the patient that is not a result of wilful neglect
- Qualified and unqualified staff
- Unintentional errors or omissions
- Legal Costs of fighting the court case
The doctor’s professional indemnity cover will pay you the sum assured up to a set limit for different incidents. You only need to bear the excess amount in case of a claim. That is why you should buy a doctors indemnity insurance based on essential factors like the risk involved and the probability of occurrence of different events, which can cause such challenges.
In diligently serving and taking care of your patients, you should not forget to secure yourself. Purchase doctor’s indemnity insurance cover for yourself and secure yourself against any claim that the patient’s family or the patient himself makes against you concerning unintentional negligence or error.