Yes, unqualified staff can be covered under doctors professional indemnity insurance by paying an additional premium amount. Unqualified staff includes compounder, ward boys, and nurses etc. All the staff members working in a hospital or clinic can be covered under the medical establishment’s professional indemnity policy.
Mistakes can occur when performing professional services and in order to secure one’s professional medical services against lawsuits, buying medical professional indemnity insurance for medical establishments is crucial. A hospital or clinic might have to shut down if a criminal offence lawsuit is filed against them. Hence it is beneficial to opt for wide coverage and include even unqualified staff under the medical liability insurance.
Medical indemnity insurance covers claims against misdiagnosis, delays in referrals, error and omission, wrong treatments or negligence performed either by professional doctors or unqualified staff members of hospital or clinic. The insurance will pay the cost of litigation, settlement, court fee, civil fines and expenses. Some insurers may appoint an experienced medical lawyer to support the insured.
Professional indemnity insurance for medical establishments offers coverage against legal liabilities on the medical establishment (such as hospitals and nursing homes), as a result of error or omission committed by any named professional or qualified assistants or unqualified staff engaged by the medical establishment.
Medical indemnity insurance provides various advantages to health professionals like doctors, medical institutions and medical practitioners. It is advisable to have doctor’s professional indemnity insurance as it aids in safeguarding the reputation of the hospital and providing a sense of security while the doctors are rendering professional medical services.
Case Study 1:
M.N. Clinic has bought medical indemnity insurance with coverage for unqualified staff. A claim has been filed against the clinic. A 40-year-old man died after accidental intake of incorrect medicine given to him by one of the staff members. The private clinic faced the claim of gross negligence performed by the staff member. An FIR was lodged against the clinic.
Fortunately, the clinic’s medical establishment indemnity insurance saved the clinic against this litigation. All the defence cost and settlements are borne by the insurance company as per the terms of insurance policy.
Case Study 2:
A police complaint is filed against a hospital alleging the wrong prescription of painkiller to provide temporary relief which resulted in the death of the patient. The family of the patient filed a case against the doctor for gross negligence. Since the hospital has medical indemnity insurance, it could save the expensive cost of litigation as defence cost is covered by the insurer. In this case, the doctor was found guilty, and all the settlement cost was also paid by the policy.
In today’s world, it is crucial for medical establishments to have indemnity insurance. It is equally important to cover all the staff and doctors in order to avail total protection against lawsuits.