{"id":19325,"date":"2022-02-26T17:22:29","date_gmt":"2022-02-26T17:22:29","guid":{"rendered":"https:\/\/insuropedia.in?p=19325"},"modified":"2026-02-09T11:16:54","modified_gmt":"2026-02-09T11:16:54","slug":"medical-establishment-insurance-all-about-professional-indemnity-policy","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/medical-establishment-insurance-all-about-professional-indemnity-policy\/","title":{"rendered":"Medical establishment insurance: Know all about professional indemnity policy"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\">Medical establishments act as the biggest hedge against life risks, they save people during medical emergencies. Did you ever think that medical establishments (hospitals) may be at any kind of risk? Well yes, they run the risk of claims made by their patients about any kind of wrong treatment, unnecessary treatments\/tests, or some form of negligence; that led to eventuality or other complications during treatment given to the patient. Know more about Medical establishment insurance: All about professional indemnity policy.<\/span><\/p>\n<h2 data-path-to-node=\"6\">Key Takeaways<\/h2>\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">The &#8220;Vicarious Liability&#8221; Umbrella:<\/b> For an establishment, the biggest risk is not its own actions, but the errors of its employees. This policy covers the hospital when it is sued for the mistakes of its nurses, technicians, or visiting consultants.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">Cash Flow Protection:<\/b> Medical litigation in 2026 can drag on for years. The policy pays for <b data-path-to-node=\"7,1,0\" data-index-in-node=\"92\">ongoing defense costs<\/b> (lawyer fees, sitting fees), ensuring that the hospital\u2019s daily funds aren&#8217;t diverted to legal battles.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,2,0\"><b data-path-to-node=\"7,2,0\" data-index-in-node=\"0\">AOA:AOY Strategy:<\/b> For a multi-specialty hospital, a <b data-path-to-node=\"7,2,0\" data-index-in-node=\"52\">1:1 ratio<\/b> is highly recommended. If the hospital has a \u20b910 Crore cover, a 1:1 ratio means the full \u20b910 Crore can be used for a single catastrophic claim. A 1:4 ratio would limit that payout to just \u20b92.5 Crore per claim.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,3,0\"><b data-path-to-node=\"7,3,0\" data-index-in-node=\"0\">Location-Based Pricing:<\/b> Premiums are sensitive to geography. Hospitals in Tier-1 cities pay more due to higher &#8220;litigation frequency&#8221; and larger court awards compared to rural settings.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,4,0\"><b data-path-to-node=\"7,4,0\" data-index-in-node=\"0\">Exclusions are Critical:<\/b> Policies typically exclude <b data-path-to-node=\"7,4,0\" data-index-in-node=\"52\">wilful negligence<\/b> (knowing something is wrong but doing it anyway) and <b data-path-to-node=\"7,4,0\" data-index-in-node=\"123\">criminal acts<\/b>. It is a protection against &#8220;errors and omissions,&#8221; not intentional harm.<\/p>\n<\/li>\n<\/ul>\n<h2><b>What exactly is a professional indemnity policy?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Professional indemnity risks provide a hedge against the costs that may be incurred by the medical establishment; instead of expenses incurred in this regard. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">To elaborate, a PI policy coverage includes costs like:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">Court fees,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Cost of defense\/lawyer fee and\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Out-of-court settlements OR<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Any other settlements that one may incur if the court adjudges that the hospital has to compensate the complainant.\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Thus, the phenomenon of patient complaints is not new at all, it is almost inevitable that at some point every hospital may face such an issue. So, most establishments avail of a professional indemnity policy to protect their cash flow. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">So, here\u2019s a roundup of the nuances of this policy that can come in handy to medical establishments while they avail of the policy.\u00a0<\/span><b><\/b><\/p>\n<h2><b>1. Importance of availing medical establishment professional indemnity policy<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Any insurance policy is a hedge against potential risk. Now, since all types of medical negligence are penalized with severity by all countries including India, professional indemnity plans have a role to play. These PI policies cover:<\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li><span style=\"font-weight: 400;\">independent doctors, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">medical professionals, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">medical establishments including hospitals, laboratories, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">independent clinics and nursing\/ support staff employed in the medical establishment.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">So, professional indemnity plans ensure that the hospital does not suffer a huge dent in its cash flow which could potentially create stress on its operations. Since the operating cash flow is critical to any hospital, most hospitals realize this; and avail adequate cover to manage these situations. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">There is a growing trend, especially with the onset of social media to express displeasure or accuse hospitals of negligence, malpractice, or mistakes. Not only do such posts garner public support, but there are also groups\/forums which guide them with the entire legal procedure; making it convenient for the patient \/ related person to lodge a formal complaint.<\/span><\/p>\n<h3><strong>Read more: <a href=\"https:\/\/securenow.in\/insuropedia\/what-are-the-factors-to-consider-while-selecting-dpi-insurance-providers\/\">What are the factors to consider while selecting DPI insurance providers?<\/a><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Such increased instances of complaints of perceived negligence, malpractice or mistakes require to be managed seamlessly, these insurance plans help the hospital fend off these situations effectively.<\/span><\/p>\n<h2><b>2. Need for a professional indemnity plan:<\/b><\/h2>\n<p>A professional indemnity insurance policy is necessary to protect medical establishments against these situations:<\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Increased instances of formal complaints of perceived negligence, mistakes in treatment, or malpractice whilst administering treatment.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-weight: 400;\">Medical negligence, mistakes, or malpractice is subject to severe fines by courts \u2013 the compensation could range from a few lakhs to multiple crores.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<h2><b>3. Features of a professional indemnity plan:<br \/>\n<\/b><\/h2>\n<p>Since these insurance policies are drawn upon the hospital, the beneficiary would be the hospital in the event of any formal complaint lodged against the hospital for medical negligence, malpractice, etc. The hospitals pay the premiums and it is a tax-deductible business expense.<\/p>\n<p>Thus, a\u00a0 PI policy offers coverage for the below expenses related to the litigation:<\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li>Any financial or legal liability about the litigation would include a lawyer\u2019s fee<\/li>\n<li><span style=\"font-weight: 400;\">Court fees, costs towards litigation, and settlements\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Settlements and sitting fees of competent lawyers can be quite huge, the hospital\u2019s PI policy<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<h2><b>Choice of medical establishment\u2019s PI policy<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many companies offer medical establishment PI policies in India with almost similar features but at varied premium pricing. So, it not only covers all types of hospitals, but it also covers individual doctors, specialists, lab technicians, nursing staff, and support staff.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, a cover of Rs. 25 Lakhs would cost approximately Rs. 4500 per annum. Thus, the premium of the medical establishment PI policy is dependent on a few factors including:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\">\n<h3><b>Doctor specialization and experience:<br \/>\n<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A doctor handling life-threatening conditions could see litigations seeking settlements running into crores. Thus, it is important to avail coverage to manage these types of claims.<\/span><\/li>\n<li style=\"font-weight: 400;\">\n<h3><b>AOA: AOY ratio:<br \/>\n<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Anyone accident as a ratio of any one year refers to a claim settlement to the maximum of one accident during any year. Typically, a 1:1 ratio is considered to be doctor friendly, it is unlikely that a single doctor could face more than 1 litigation in a single year. The maximum claim is still subject to the total amount of coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\">\n<h3><b>Location of the hospital:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The medical costs vary based on the location of the hospital, urban hospital care costs are higher than rural hospital care costs. Hence, the location could be a detriment for the premiums to be paid towards the medical establishment\u2019s professional indemnity.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\">\n<h3><b>Riders:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many of these policies offer add-on covers like litigation claims against nursing staff, services offered by support staff, radioactive treatment, and other critical treatment procedures<\/span><\/li>\n<\/ol>\n<h2 data-path-to-node=\"3\">Summary: Medical Establishment Indemnity<\/h2>\n<div class=\"horizontal-scroll-wrapper\">\n<div class=\"table-block-component\">\n<div class=\"table-block has-export-button\">\n<div class=\"table-content not-end-of-paragraph\" data-hveid=\"0\" data-ved=\"0CAAQ3ecQahgKEwjhoOnS4suSAxUAAAAAHQAAAAAQ2QM\">\n<table data-path-to-node=\"4\">\n<thead>\n<tr>\n<td><strong>Feature<\/strong><\/td>\n<td><strong>Details<\/strong><\/td>\n<td><strong>2026 Impact<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"4,1,0,0\"><b data-path-to-node=\"4,1,0,0\" data-index-in-node=\"0\">Primary Beneficiary<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,1,1,0\">The Medical Establishment (Hospital\/Clinic\/Lab).<\/span><\/td>\n<td><span data-path-to-node=\"4,1,2,0\">Protects the institution from &#8220;Vicarious Liability.&#8221;<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,2,0,0\"><b data-path-to-node=\"4,2,0,0\" data-index-in-node=\"0\">Coverage Scope<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,2,1,0\">Legal fees, court costs, and settlements\/compensations.<\/span><\/td>\n<td><span data-path-to-node=\"4,2,2,0\">Includes out-of-court settlements to avoid long trials.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,3,0,0\"><b data-path-to-node=\"4,3,0,0\" data-index-in-node=\"0\">Who is Covered?<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,3,1,0\">Doctors, specialists, nurses, and even support staff.<\/span><\/td>\n<td><span data-path-to-node=\"4,3,2,0\">Covers the entire &#8220;clinical chain&#8221; under one umbrella.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,4,0,0\"><b data-path-to-node=\"4,4,0,0\" data-index-in-node=\"0\">AOA:AOY Ratio<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,4,1,0\">Ratio of &#8220;Any One Accident&#8221; to &#8220;Any One Year.&#8221;<\/span><\/td>\n<td><span data-path-to-node=\"4,4,2,0\">Critical for urban hospitals facing high-value claims.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"4,5,0,0\"><b data-path-to-node=\"4,5,0,0\" data-index-in-node=\"0\">Tax Benefit<\/b><\/span><\/td>\n<td><span data-path-to-node=\"4,5,1,0\">Premiums are treated as a business expense.<\/span><\/td>\n<td><span data-path-to-node=\"4,5,2,0\">Reduces the effective cost of risk management for the firm.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2><b>Exclusions to medical establishment professional indemnity policy<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">There are some exclusions applicable across all PI policies. If you are availing of a policy, then you should specifically take note of these exclusions to ensure that they align with your requirement. Some of the exclusions that are commonly applied across most medical establishments\u2019 PI policies are:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">Fraudulent \/ Erroneous and illegal Actions of the policyholder<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Wilful or deliberate negligence by the policyholder<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Cosmetic procedures or weight loss-related treatments<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Treatments carried out under the influence of drugs or alcohol<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Pre-existing claims before the purchase of the policy<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Claims incurred before or after the policy term<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Therefore, it is always advisable to hedge your risk, for it may come in handy when the worst-case scenario pans out. The premium is a small cost to incur for any litigation expenses that one may incur in the future.<\/span><\/p>\n<h3 data-path-to-node=\"9\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">Q1: Does the policy cover claims arising from &#8220;Unqualified Staff&#8221;?<\/b><\/h4>\n<p data-path-to-node=\"10\"><strong>A)<\/strong> Generally, standard policies exclude errors made by staff who do not have the requisite medical qualifications. However, many insurers in 2026 offer an <b data-path-to-node=\"10\" data-index-in-node=\"219\">&#8220;Unqualified Staff Rider&#8221;<\/b> for an additional premium, which covers the establishment if an assistant or helper accidentally causes harm while performing their duties.<\/p>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">Q2: Are &#8220;Cosmetic Procedures&#8221; covered under a standard Hospital PI policy?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)\u00a0<\/strong>No. Most basic establishment policies specifically exclude aesthetic or cosmetic surgeries (like liposuction or hair transplants) unless a specific <b data-path-to-node=\"11\" data-index-in-node=\"223\">Cosmetology Add-on<\/b> is purchased. If your hospital has a dedicated plastic surgery wing, this rider is essential.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">Q3: What happens if a claim is filed <i data-path-to-node=\"12\" data-index-in-node=\"37\">after<\/i> the policy expires?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> Establishment insurance works on a <b data-path-to-node=\"12\" data-index-in-node=\"98\">&#8220;Claims-Made&#8221; basis<\/b>. This means the claim must be filed while the policy is active. To protect against old cases, hospitals must maintain a <b data-path-to-node=\"12\" data-index-in-node=\"238\">&#8220;Retroactive Date&#8221;<\/b> by renewing the policy every year without a break.<\/p>\n<h4 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">Q4: Does the policy pay for &#8220;Punitive Damages&#8221; or fines?<\/b><\/h4>\n<p data-path-to-node=\"13\"><strong>A)<\/strong> No. Most Indian indemnity policies cover <b data-path-to-node=\"13\" data-index-in-node=\"98\">Compensatory Damages<\/b> (money paid to the patient for their loss). They do not cover &#8220;Punitive Damages&#8221; (fines intended to punish the hospital) or criminal fines imposed by a court.<\/p>\n<h4 data-path-to-node=\"14\"><b data-path-to-node=\"14\" data-index-in-node=\"0\">Q5: Can the hospital choose its own lawyer?<\/b><\/h4>\n<p data-path-to-node=\"14\"><strong>A)<\/strong> Most insurers have a &#8220;Panel of Experts,&#8221; but premium policies in 2026 allow the hospital to appoint their own legal counsel, provided the fees are within the &#8220;Reasonable and Customary&#8221; limits defined by the insurance company.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the policy cover claims arising from unqualified staff?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Standard professional indemnity policies often exclude claims arising from acts performed by staff without the required qualifications. However, some insurers may offer an additional extension to provide limited coverage for such situations, subject to policy terms and conditions.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are cosmetic procedures covered under a standard hospital professional indemnity policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Many standard hospital professional indemnity policies exclude aesthetic or cosmetic procedures unless a specific endorsement or add-on is purchased. Hospitals offering cosmetic or plastic surgery services should review their policy coverage carefully.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if a claim is filed after the policy expires?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Hospital professional indemnity insurance generally operates on a claims-made basis, meaning the claim must be reported while the policy is active. Maintaining continuous coverage helps preserve the retroactive date and protect against claims arising from earlier incidents.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the policy pay for punitive damages or legal fines?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Most professional indemnity policies cover compensatory damages awarded for loss or injury but typically exclude punitive damages, penalties, or criminal fines imposed by a court.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can a hospital choose its own lawyer for a claim?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Insurers often provide access to a panel of approved legal experts. Some policies may allow the hospital to appoint its own legal counsel, subject to insurer approval and reasonable cost limits as defined in the policy.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<p><b>About The Author<\/b><\/p>\n<p><strong>Saloni Mishra\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Insurance Management<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With an illustrious career in the insurance sector, <\/span><span style=\"font-weight: 400;\">Saloni<\/span><span style=\"font-weight: 400;\"> is a distinguished writer specializing in articles concerning doctor professional indemnity policies for SecureNow. Leveraging 12 years of hands-on experience, <\/span><span style=\"font-weight: 400;\">she<\/span><span style=\"font-weight: 400;\"> understands the intricate nuances of professional indemnity insurance tailored specifically for medical professionals. Her articles offer invaluable insights into the significance of doctor professional indemnity coverage, addressing the unique risks and challenges healthcare practitioners face. Renowned for their expertise and attention to detail, <\/span><span style=\"font-weight: 400;\">Saloni<\/span><span style=\"font-weight: 400;\"> is committed to providing readers with informative and actionable content that empowers them to make informed decisions regarding their insurance needs.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medical establishments act as the biggest hedge against life risks, they save people during medical emergencies. Did you ever think that medical establishments (hospitals) may be at any kind of risk? Well yes, they run the risk of claims made by their patients about any kind of wrong treatment, unnecessary treatments\/tests, or some form of [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[484,972],"tags":[251,442,1240],"class_list":["post-19325","post","type-post","status-publish","format-standard","hentry","category-doctors-professional-indemnity","category-product-features-doctors-professional-indemnity","tag-professional-indemnity-policy","tag-premium","tag-professional-indemnity-plan"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/19325","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=19325"}],"version-history":[{"count":18,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/19325\/revisions"}],"predecessor-version":[{"id":35376,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/19325\/revisions\/35376"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=19325"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=19325"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=19325"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}