Doctors Professional Indemnity Insurance

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.

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

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

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

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

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.

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

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.

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

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.