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Do past claims impact renewal premium for a doctor’s professional indemnity policy?

Do past claims impact renewal premium for a doctor’s professional indemnity policy? A doctor’s professional indemnity insurance policy covers legal expenses that might be incurred in the wake of unintentional errors or wrong diagnosis. It provides financial protection to doctors from third-party claims and legal costs incurred while defending lawsuits. Moreover, the policy also covers compensatory […]

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How to file a claim under a doctor’s professional indemnity policy?

How to file a claim under a doctor’s professional indemnity policy? Doctors often undertake life-saving treatments and diagnosis. However, mistakes can occur in their diagnosis of an illness or in its treatment. In such cases, the patient may suffer severe consequences. These often lead to liability claims against doctors who are held responsible for the […]

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When does a claim occur under DPI and how to raise a claim?

When does a claim fall under a Doctor’s PI policy? A Doctor’s Professional Indemnity insurance policy covers instances of death, physical injury or disability due to medical negligence or unintentional errors. The policy covers legal costs in case of lawsuits. It also bears settlements associated with such cases. The DPI claims are of the type […]

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What is the Claims Series Clause in Doctor’s Professional Indemnity policy?

What is the Claims Series Clause in Doctor’s Professional Indemnity policy? The Doctor’s Professional Indemnity policy has various clauses. Here we will look at the ‘Claims Series’ clause. The claims series clause plays a crucial role in determining the limit of deductible payable for the insured. Accumulated claim amount This clause is applicable when different […]

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5 Reasons why Health Insurance claim see significant deductions

The health insurance claim is simply a request for payment, the insured or the insured’s health care provider submits to the insurer for items or services covered in the health plan. The insurer reviews the Insurance claim for its validity and only once approved, then paid out to the insured or requesting party (on behalf […]

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Rating health insurance products

Published in Mint on, Jul 03, 2013, Written by Kapil Mehta As an insurance broker, I interact with health insurance buyers every day and come across their issues firsthand. The barrage of questions is overwhelming—Should I buy health insurance products or that? Is the private sector better or the public sector? Why was this claim […]

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Making A Claim Under Health Insurance, Keep These Things In Mind

Health Insurance is a lifesaver protection plan. It keeps you solvent at the time of medical issues. As medical cost is shooting up, it becomes crucial to consider the smooth claim settlement process as a key factor while buying your health insurance policy. Always, check the settlement ratio of insurers in order to buy the […]

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Are medical malpractice settlements tax-free?

Are medical malpractice settlements tax-free? Any act of negligence or omission on the part of a medical professional that results in physical harm or trauma to a patient is medical malpractice. This also includes providing substandard quality of treatment. Some instances of medical negligence are: Failure to give correct medical advice Improper administration of medicines […]

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