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| Product | Premium(G.S.T. @ 18%) | Quote ID | Date | Proceed to pay |
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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.
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.
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
