ImageDoctors Professional Indemnity Insurance – Indemnity Insurance for Doctors
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Doctors Professional Indemnity Insurance

Premium Starts @ 708

(Excluding Taxes)

*Terms & conditions apply

Premium Starts @ 708 excluding Taxes
Benefits
Covers cost of lawyers
Claim court-awarded damages
Defend criminal cases
Covers pre litigation costs
3 Most Trusted Insurers
SecureNow Assistance
assistance1Online policy copy
assistance2Instant risk confirmation
assistance3Experienced medico-legal panel
assistance4 Single point interface for claims
assistance5Renewal reminders
assistance6 Digital proposal form and payment

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Doctors Professional Indemnity Insurance

or

WhatsAppVerify with WhatsApp

Get quote if you agree to our Terms of Use and Privacy Policy

SecureNow Assistance
assistance1

Online policy copy

Policy copy will be emailed. This can also be accessed via securenow.app login

assistance2

Instant risk confirmation

Risk coverage gets started immediately on proposal form submission, if no claim has been reported.

assistance3

Experienced medico-legal panel

High quality lawyers, with experience of medical negligence cases, take-up cases on Doctor’ behalf

assistance

Single point interface for claims

Dedicated liability claims expert coordinates claims between the Doctor, lawyer and the insurer

assistance5

Timely renewal reminders

Automated reminders and sent 3 weeks before renewal. Premium can be easily paid online

assistance6

Digital proposal form and payment

Buying process is completely digitized including supporting documents. No need to submit hard copies.

Quick Guide to Professional Indemnity Insurance for Doctors

Definition of Professional Indemnity Insurance for Doctors

Professional Indemnity Insurance for Doctors is an indemnity insurance plan which is specifically designed to cover doctors against the liabilities arising out of medical negligence, mishaps or mistakes made by the doctors while practicing. A doctor professional indemnity insurance insures the doctors, their qualified assistants, nurses or any technicians employed by the insured against the legal charges that have to be paid by the medical practitioners for the damage caused to a third party while rendering their services.


This professional indemnity insurance primarily provides cover against civil liability claims. SecureNow’s online doctor insurance provides coverage for defense costs for criminal cases as well.

Target Segment for Doctors Professional Indemnity Insurance

Doctors, who want to cover themselves against professional risks and legal liabilities arising out of the error, omission or negligence in professional services rendered, need doctors' indemnity insurance policy. Below is a list of segments the doctors’ professional indemnity insurance can cover for:

  • Independent doctors
  • Medical professionals
  • Medical establishments such as hospitals, laboratories, etc.
  • Independent clinics and nursing homes
  • Support staffs employed by all of the above institutions

Features & Benefits of Doctors Professional Indemnity Insurance

Indemnity insurance for doctors is necessary to protect the medical practitioners or the medical establishment. A hospital could also choose to buy this insurance for their doctors, to protect them against a lot of uninvited litigations. Thus, a professional indemnity insurance for doctors offers cover for below litigation related expenses:

  • Any financial or legal liability, as litigations invite a lawyer’s fee
  • Court fee, costs towards litigations and settlements
  • Settlement and sitting fees

Inclusions under Doctors Professional Indemnity Insurance

Below are the coverages under the Doctors’ Professional Indemnity Insurance:

  • Claims arising out of bodily injury and/or death of any patient caused by error, omission or medical negligence
  • Cover for defense cost to respond to legal notices
  • Cost of defending oneself in court of law including consumer court
  • Settlement costs arising as a result of verdict from the court

Exclusions under Doctors Professional Indemnity Insurance

Below are the standard exclusions under the doctors' indemnity insurance policy:

  • Criminal, illegal and unethical acts
  • Deliberate malpractices
  • Administration of prohibited drugs
  • Unauthorized/illegal experimentation and procedures
  • Medical practice under the influence of alcohol or narcotics
  • Practice without valid registration /certificate
  • Contravention of Govt Acts, etc.
  • Any condition related to AIDS

Selection of sum insured for Doctors Professional Indemnity Insurance

There are various factors that influence the premium for doctor insurance in India. It is important for a medical practitioner to understand the risks involved in their profession to be able to arrive at a sum insured, as the premium also varies based on the same. Two major factors that impact the sum insured for a professional indemnity insurance for doctors are: past history of litigation / legal cases and his/her area of expertise.


We can help you choose the best professional indemnity insurance that will suit your profile. You just have to fill in the details on our page and submit a request. A doctors’ professional indemnity insurance expert will get in touch with you instantly.

Points to Consider while selecting Doctors Professional Indemnity Insurance

While selecting the doctors' indemnity insurance plan, one should:

  • Choose sufficient sum insured
  • Choose comprehensive cover with all extensions
  • Get retroactive date coverage in case of renewal
  • Check the mode of payment available
  • Seek clarity about claims' process

How to apply for Doctor Professional Indemnity Insurance

Obtaining an online professional indemnity insurance is very simple and hassle-free with SecureNow. When you fill your basic details and specialization details to proceed ahead in the flow, you’ll get the quotes from various insurers to opt for a doctors’ insurance online. You can select the insurer based on the premium and coverages you want to obtain and click on but now. Then you’ll have to fill in a proposal form to procure the indemnity insurance, save and submit the form. You’ll be prompted to pay the premium online, after the payment is successful, you’ll receive the certificate of insurance instantly.

Documents Required for Doctor Professional Indemnity Insurance

Below are the documents required to claim for the doctor insurance in India:

  • Duly filled and signed claim form
  • Copy of the policy document
  • Any court notice or summon received
  • Original proof of costs incurred on defending any lawsuit
  • Court order or any written proof specifying the settlement amount
  • Bank details of policyholder for sending reimbursement
  • Additional documents as required by the insurer based on the nature of the claim

How to Claim a Doctor Professional Indemnity Insurance

To file a claim for a doctors’ professional indemnity insurance in India is now very simple. The first step involves intimating the insurance company of any lawsuit that has been filed against a doctor or a medical establishment. For this, you just have to call us on +91 96966 83999 or write to us on support@securenow.in. We will get back to you within 24 hours and guide you through the process. Further, based on the advice of the insurance company, you’ll have to submit the documents mentioned above and also may have to appoint a defense counsel to fight your case. Legal costs are all covered under a doctor’s PI. Any additional document, if required, will also be intimated to you and SecureNow will help you throughout the claim process.

Frequently Asked Questions

Being a medical professional, there is a possibility that you may face allegations for negligence, wrong treatments, mistakes, etc., and so doctors should cover themselves against such liabilities by buying Doctors’ Professional Indemnity Insurance. The purpose of this policy is to protect the doctor against the professional risks associated, while rendering the services
A regular Professional Indemnity Insurance Policy covers only civil liability claims and does not cover claims arising out of criminal or unlawful activity. The coverage is limited to the sum insured as specified in the policy. SecureNow has negotiated special professional indemnity insurance for doctors in India. Herein, defense costs for criminal cases can be covered, provided the doctor is acquitted of the criminal charge.
Being individual medical professionals, we advise government doctors to also opt for a professional indemnity insurance and avail benefits of the same. For instance, as a doctor onboard if you ever treat a sick patient on the flight, and the suggested medicines have some adverse impact on them. The doctor can be sued for this mishap even without any deliberate fault of theirs. A doctors’ professional indemnity will protect you against all and any such liabilities.
Even Government hospitals sometimes require a small registration fee for the patient. Courts have ruled that paying any fee, however nominal, makes the patient eligible to file a claim with the consumer court.
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