Doctors Professional Indemnity

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Who is the right insurer to buy a doctor’s professional indemnity policy from?

A doctor’s professional indemnity (DPI) policy safeguards medical professionals and establishments against liabilities and lawsuits. The liabilities are effectively a third-party’s losses. These occur due to an error of judgement or negligence on the doctor’s part.

Considering the importance of this coverage, several general insurance companies offer this policy. It thus becomes imperative to choose the right company.

Here are a few factors that one should keep in mind while choosing the right insurer to buy a doctor’s professional indemnity policy from:

Study the coverage and extension features

Insurance companies offer several coverage benefits along with the doctor’s professional indemnity policy. These benefits vary across insurers. Legal costs and third-party settlements are part of the basic coverage but other benefits set insurers apart. Some examples of benefits that could be added include coverage in international courts, maintaining the retroactive date for small premium payment delays, and support from a panel of lawyers.

Go for the insurer that offers the most inclusive coverage as per your needs.

Check for responsiveness  

Ask your insurer a few questions to see if they give accurate and timely responses. This in itself is a good indication of how responsive the insurer will be to a claim you make..


There can be significant price differences for the same basic cover. That’s why you should compare costs across a small set of insurers that meet your coverage requirements. Pick the most cost-effective insurer.

Claim settlement record and process

Finally, the company should have a high claim settlement ratio. Also, the process should be smooth and the settlement Turn Around Time (TAT) lower than others. Since this information is not publicly available you may need to ask the insurer for their claim history and a few examples of claim settlement.

Additional Read: The common questions that you should ask when buying a DPI policy

How SecureNow helps?

SecureNow ( is an insurance broker that helps you in placement, servicing and handling claims. We work with all leading general insurance companies and understand a doctor’s professional indemnity well. SecureNow has also partnered with over 20 medical associations. Ask us if we work with the associations that you are affiliated with.

You can also enter your details to compare policy features and prices easily at Once you have made your choice, you can pay online and get your risk cover note instantly.

So, the next time you want to buy a DPI policy, come to SecureNow and find the right insurer.