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Professional Indemnity Insurance for Doctors

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Advantages of Professional Indemnity Insurance for Doctors

Comprehensive cover
This insurance covers doctors against liabilities arising out of wrong treatments, mishaps or mistakes. It pays the cost of litigation, court fees, settlements, loss of documents, breach of confidentiality and defamation, etc.
Legal Support
A doctor’s indemnity insurance covers the legal costs faced by doctors when a lawsuit is filed against them for professional errors and mistakes. This insurance pays the cost of a lawyer, court fees, investigations, and filing.
Universal coverage
Options for regions which we cover:

-India
-Worldwide excluding US/Canada
-Worldwide
Retroactive Date
This policy also offers retroactive cover. So if a doctor continues to pay the premium on time for his policy every year, the doctor is protected for all the work he has done in past till date and original retroactive date is restored.

Why Claims Get Rejected?

Prior period exclusion

Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the professional liability insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal.

Known issues

Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the doctor became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first professional indemnity cover.

Unlawful practice

If the information in the proposal form is different from actual practice you run the risk of claim rejection. For example, you may state that you have trained nurses but may not; you may have used an OT that is not properly licensed; or not declared your specialty appropriately in the form. We address this by ensuring that the proposal form is well filled and you understand the implications of each information

FAQs

Doctor’s indemnity insurance policy can be taken by hospitals, individual physicians belonging to different areas of specialization, including the nursing staff and other technical and non-technical personnel’s working in a medical setting.
The doctor’s indemnity policy ceases to apply against liability arising due to -
  • Criminal act & fraudulence
  • Any surgery or procedure performed under the influence of alcohol or narcotics
  • Weight reduction procedure
  • Cosmetic procedure
  • HIV/AIDS
  • Blood Banks etc.
There are various factors that influence the premium amount under doctor’s professional indemnity plan such as –
  • The area of specialization or risk group of the practitioner
  • The size of the hospital or the number of patients the physician attends to in a day
  • Past claim settlement
  • Limit of indemnity etc.
The duration of doctor indemnity insurance scheme is typically 1 year, after which the policy can be renewed to avail protection against liabilities.
As soon as the insured gets a legal notice or learns about a medical negligence, error or omission, the insured musts start preparing to file for a claim settlement.

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Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

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We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

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