Qualifying as a medical practitioner is a matter of great pride and honor. A doctor’s job is to diagnose the patient’s ailment and treat him to good health.
While some treatments are minor, there are complicated and riskier procedures too. A doctor treats a patient with utmost caution but during a complicated procedure, things might go wrong.
The Doctor’s Indemnity Insurance Policy provides coverage through which doctors stay insured for risky procedures.
Some of these risky 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 carries a high risk of complications arising during or after the transplant. It is also common for the transplanted organ to be rejected by the new body.
Bypass Grafting
Cardiologists have been performing several bypass surgeries these days due to an increase in incidents of heart attacks and arterial congestion. These complicated operations can improve blood flow but they run for long hours. They even carry the risk of loss of life.
Brain Surgery
Brain surgery or craniectomy involves removing a part of the patient’s skull so that doctors can access the brain. This part remains separated even after the operation.
Craniectomy carries the risk of brain damage. There could be excessive fluid build-up in the brain, seizures, spinal fluid leakage, stroke, or swelling.
Spinal Osteomyelitis Surgery
This surgery is conducted to correct a spinal infection. This condition is extremely destructive and comes with a lot of risks. In case the surgery goes wrong, the patient may 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. Maxillo-facial surgeries are the riskiest and result in litigation more often than many other procedures.
Several other surgeries and procedures also expose doctors to considerable risk.
How does Doctor’s Indemnity Cover Help Doctors?
This policy’s coverage depends on its features and the plan chosen. However, irrespective of the features, it covers compensation and legal costs. The policy provides coverage for both qualified and unqualified staff. It provides safety to doctors against unintentional errors or omissions.
The doctor’s indemnity policy will pay the sum assured up to a set limit for different incidents. The insured only has to bear the excess amount of the claim.
It is a must for doctors to remember that they should not forget to secure themselves while diligently serving and taking care of patients. This policy secures doctors against any claim that the patient or the family raises due to unintentional negligence or error.
