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United India Insurance Company's Indemnity Insurance for Doctors

United India Insurance Company’s Professional Indemnity Insurance for Doctors is one of the most preferred insurance options which providees comprehensive coverage at affordable premiums. This policy provides coverage for legal liability arising out of medical negligence, errors or omissions in professional services rendered by the insured-doctors. United India’s Doctors liability insurance covers plastic & cosmetic surgeons, maxillofacial surgeons & dermatologists also along with radiologists, pathologists, general physician, consultants, specialists, surgeons (including dentists), anaesthetists. This policy also provides a panel of advocates which has been constituted in consultation and with the approval of United India Insurance Company. The advocates on this panel will be authorized to tender suitable legal advice to the insured doctor and take up his/her legal defense under the policy. This policy also provides out of court settlement coverage, and retroactive date coverage for policies running on continuous basis without any break.

Compare United India's Doctor Indemnity Insurance

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Highlights

Provides panel of advocates

Covers Plastic, Cosmetic, Maxillo-Facial Surgeons & Dermatologists as well

Provides cover for out of court settlement

Provides sum insured options upto 5 Crores

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply.

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United India Insurance Company’s Overview

United India Insurance Company Limited (UIIC) is one of the leading general insurance companies, having more than three decades of experience in non-life insurance business. It was incorporated on 18th February 1938 and was formed by the merger of 22 companies. It comes under the ownership of Ministry of Finance, Government of India. It is headquartered in Chennai, India. It has a total of 85 years of experience, over 11500 work force spread across 2096 offices providing insurance cover to 1.74 crores policyholders. UIIC's offices are also present in more than 1000 tier II & III towns and villages through its innovative micro-offices. This insurance company has a wide variety of insurance products to offer.
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On Doctors Professional Indemnity

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

TOP PLANS

Doctors Professional Indemnity

By United India Insurance

Specialization
Radiologist
Specialization
Radiologist
Sum Insured
₹ 1 Crore
Sum Insured
₹ 1 Crore
Premium(including Taxes)
₹ 2360
Premium(including Taxes)
₹ 2360

Doctors Professional Indemnity

By United India Insurance

Specialization
Surgeons
Specialization
Surgeons
Sum Insured
₹ 1 Crore
Sum Insured
₹ 1 Crore
Premium(including Taxes)
₹ 9440
Premium(including Taxes)
₹ 9440
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How to buy United India Doctor Professional Indemnity Insurance Policy?

United India Insurance Company is one of the leading public sector general insurance companies. This insurance company has over 1.38 crore happy customers (as per the numbers published by the insurer). Buying United India’s Online Indemnity Insurance for Doctors has become so easy that one can buy this policy in just a few clicks by following the below 5 steps:

1. Visit www.securenow.in, go to ‘Profession’ and then to ‘Doctors’

2. Enter your contact details, select your specialization and see multiple quotes online

3. Finalize the option and make the payment online

4. Fill the proposal form online

5. Policy copy will get issued at your registered email id within 12-15 workings

To streamline insurance management, SecureNow offers effortless UIIC policy download and UIIC policy renewal online.

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Buy Doctor Indemnity Insurance coverage upto 1 Crore*

Premium starting from ₹708/person per annum*

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United India Insurance Doctor Professional Indemnity Insurance at a Glance:

ParticularsCoverage
Radiologists, Pathologists & General Physician
Consultants (Non Surgeons)
Surgeons (including dentists)
Anaesthetists
Plastic Surgeons
Cosmetic Surgeons
Maxillofacial surgeons
Dermatologists
Discounted & Affordable Premiums
Lawyer Panel
Maximum age to buy the policy for the first time60 Years
Maximum age to renew the policy70 Years
Territory & JurisdictionIndia
AOA:AOY1:1
Excess: India5% of claim amount subject to a minimum of Rs. 1,00,000 on each and every claim
Retroactive Date Restoration
Out of court settlementUp to Rs. 5 Lakhs
Defense Cost
Loss of documents
Defamation (Libel and Slander, both)
Breach of Confidentiality

United India Insurance Doctor Professional Indemnity Insurance Plans:

United India Insurance’s Professional Indemnity Insurance for Doctors is one of the best indemnity insurances for doctors in India. These plans not only provide wide coverage but also provides economical premiums. For example:

  • For Radiologist, the premium including taxes for 1 Crore sum insured is Rs. 2360

  • For Surgeons, the premium including taxes for 1 Crore sum insured is Rs. 9440

    • Exclusions of United India’s Indemnity Insurance for Doctors:

    Exclusions applicable to our special tie-up with United India for Doctors Indemnity Insurance Policy:
    1. Administering euthanasia / abetting suicide
    2. Criminal abortions with illegal methods / techniques
    3. Misbehavior–unethical acts with patients
    4. Deliberate malpractices like false certificates, falsification of clinical records, Except the allegations there too.
    5. Collusion or direct involvement in cold-blooded murder.
    6. Divorce suits co-defendants.
    7. Staff problems / labor disputes (employer-employee relationship)

    8. Administration of spurious/prohibited drugs.

    9. Illegal dealings in narcotics and other drugs declared as contraband but the appropriate authority from time to time.

    10. Trade and dealings in live organs for transplant.

    11. Illegal stocking or dispensing, prescription of prohibited drugs, unauthorized/illegal experimentation and procedures

    12. Practice without valid registration /certificate.

    13. Contravention of Govt. Acts, Corporation / Municipal regulations in matters of practice, running establishments, licensing, display of boards, food facilities to patients.

    14. Unethical and/ or illegal practice in fertility and impotence, etc.

    15. Cosmetic surgery done for/in collusion with criminals

    16. Falsification/substitution of death certificates/ cause of death/ change of covers

    17. Collusion in substitution of babies

    Standard exclusions applicable to this policy are as below:

  • No liability shall attach to the company in respect of:
    • Any criminal act or any act committed in violation of any law or ordinance
    • Services rendered while under the influence of intoxicants or narcotics
    • The performance by dentists and dental surgeons of general anaesthesia or any procedure carried out under general anaesthesia unless performed in a hospital
    • The use of drugs for weight reduction
    • Claims made against the insured arising from the performance of cosmetic plastic surgery, hair transplants, punch grafts, flap rotations and the like (hereinafter referred to as cosmesis) it being understood that the following shall not be deemed to be cosmesis:
      • Laboratory services provided in connection with the performance of cosmesis
      • Plastic surgical repair of scar tissue being the result of previous surgery unrelated to cosmesis performed by the insured
      • Plastic surgery in connection with burns or other traumatic surgery
    • Third Party Public Liability
    • Claims arising from any condition directly or indirectly caused by or associated with Human T-Cell Lymphotropic Virus type III (HTLV 111) or LYMPHADENOPATHY ASSOCIATED VIRUS (LAV) or the mutants' derivatives or variations thereof or in any way Syndrome or condition of a similar kind howsoever it may be named
  • This Policy does not cover liability:
    • Assumed by the insured by agreement and which would not have attached in the absence of such agreement
    • Arising out of deliberate, wilful or intentional non-compliance of any Statutory provision
    • Arising out of loss of pure financial nature such as loss of goodwill, loss of market etc.
    • Arising out of all personal injuries such as false arrest, wrongful eviction, wrongful detention, defamation, etc. and mental injury, anguish or shock
    • Arising out of fines, penalties, punitive or exemplary damages
    • Directly or indirectly occasioned by happening through or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power
    • Directly or indirectly caused by or contributed by
      • Ionising radiations or contamination by radioactivity from any nuclear fuel of from any nuclear waste from the combustion of water
      • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
    • Arising out of genetic injuries caused by x-ray treatment/diagnosis or treatment/diagnosis with radioactive substances
    • In respect of professional services rendered by the insured prior to the retroactive date in the schedule
    • The deliberate conscious or intentional disregard of the insured’s technical or administrative management of the need to take all reasonable steps to prevent claims
    • Injury to any person under the contract of employment or apprenticeship with the insured their contractor(s) and/or sub-contractor(s) when such injury arises out of the execution of such contract

    • How to renew a United India's Medical Indemnity Insurance for Doctors?

    The policy tenure of United India’s Doctor Professional Indemnity Insurance/Medical Indemnity Insurance for Doctors is of 12 months. To restore the retroactive date, it is essential to renew a Doctor’s Professional Indemnity Insurance Policy. For medical indemnity insurance renewals, the customer will start getting renewal reminders from us 45 days before the due date of the renewal. To renew a United India’s Doctor’s Professional Indemnity Insurance Policy, you can either follow the below steps or can send us your last year’s policy copy at support@securenow.in and take assistance from us to complete the renewal process before the due date of renewal:

    1. Visit www.securenow.in, go to ‘Profession’ and then to ‘Doctors’

    2. Enter your contact details, select your specialization and see multiple quotes online

    3. Finalize the option and make the payment online

    4. Fill the proposal form online

    5. Policy copy will get issued at your registered email id within 12-15 workings

    How to file a claim under a United India Doctor’s Professional Indemnity Insurance Policy?

    In the event of an insured doctor facing any of the following:
    1. Receiving a written complaint/allegation from a patient, his/her relatives or any other person claiming to act on behalf of the patient, including any consumer body
    2. Receiving an advocate’s notice
    3. Receiving notice from any court law including the consumer forum
    The following procedure will be followed:
    • The concerned doctor will immediately inform SecureNow and United about the receipt of such notice and send copied of the same
    • To register the claim, you are requested to share an explanation on the relevant incidents in sequence of its occurrence (over the email)
    • We will then appoint an advocate from the panel of advocates. The lawyer will then help you respond to the notice, and any further court proceedings
    • The concerned doctor is supposed to give all cooperation to the advocates to prepare the defense of the case

    You also need to submit the hard copies of the claim documents. In case of any query, you can contact us at +91 96966 83999 or write to us at support@securenow.in.

    Frequently Asked Questions

    United India Insurance Company, a public company registered under companies act and having its head office at Chennai has done the gross direct premium of Rs. 15722.25 Crores as on 31st March 2022 and net earned premium of Rs. 13695.60 crores.
    As on 31st March 2022, United India Insurance Company has 1731 offices and 11579 employees:
    Head Office 1
    Regional Offices 30
    LCBs 06
    Divisional Offices 398
    Branch Offices 610
    Micro Offices 686
    TOTAL 1731
    Employee-Class Statistics Overview:
    Class No. of Employees
    Class I 6541
    Class II (Marketing and Administration) 219
    Class III 3987
    Class IV 831
    PTE 1
    TOTAL 11579
    Medical Malpractice Insurnace or Malpractice insurance for doctors is one of the types of liability plans which is exclusively designed for medical professionals. This insurance plan is bought by the medical professionals to get coverage against professional liability that may arise due to medical negligence done while rendering the service to the clients. This insurance plan protects the doctors from those patients who initiate the legal cases or suits against the doctor for medical negligence done by them while performing professional duties.
    Yes, under United India’s Doctors Liability Insurance, the pre-litigations costs including costs towards advocate consultation, preparation of deed of settlement etc.(except for criminal cases, as per exclusions-mentioned above) are covered under defense costs subject to a condition that the cost is incurred by the insured with prior consent of insurer in respect of matters which have direct relevance to any claim made against the insured, provided such claim is the subject matter of indemnity by the policy.
    Under United India’s Doctors Professional Indemnity Insurance policy, following extensions are to be included:
    • Loss of Documents: These must be documents owned by a third party that are in the insured’s physical custody and control
    • Defamation-Libel and Slander: Defamation is the umbrella term for libel and slander, and it is based around reputation- and specifically relates to statements that damage the reputations of others
    • Breach of Confidential Information: A breach of confidentiality occurs when data or information provided in confidence by a client is disclosed to a third party without client’s consent
    Under United India’s Doctors Professional Indemnity Insurance product, the geographical jurisdiction is territorial jurisdiction of India is allowed and any professional liability as defined in the policy, incurred as a result of professional practice anywhere in India would be covered as per the terms and conditions of the policy.
    One can buy United India’s Doctors Professional Indemnity Insurance Policy online from our website. The sum insured options range for this product is as below:
  • Sum insured range for online purchase: 10 Lacs to 1 Crore
  • Sum insured range for offline purchase: More than 1 Crore
    • Claim management has become utmost importance in today’s competitive environment. United India Insurance company has laid special emphasis on improved and hassle-free customer-service. The claim settlement ratio of United India Insurance Company’s doctor Indemnity insurance is 80.7%.
    Yes, clients can purchase United India’s Doctors Indemnity insurance policy online through SecureNow. You can view quotes, complete the proposal form, and make online payments. The policy document will be issued to the client's registered email address within 7-10 working days.

    Initiating the online purchase process ensures the best indemnity insurance for doctors in India, providing comprehensive protection for your medical practice!
    Yes, United India’s Online Doctor Insurance policy covers Plastic & Cosmetic Surgeons. Cosmetic and plastic surgeries fall under the standard exclusions of Doctor’s indemnity insurance product, but United India Insurance Company provides coverage for Plastic & Cosmetic Surgeons by charging marginally extra premium.

    Indemnity Insurance for doctor includes exclusion clauses to clearly define uncovered situations or practices, mitigating insurer risk and maintaining policy transparency regarding coverage, terms, and limitations.
    Documents are crucial for the efficient processing of doctors indemnity Insurance claims. Proper documentation ensures clarity, accelerates assessment, and aids in expeditious resolution, safeguarding the insured individuals and organizations.

    Documents required to register a claim under United India’s doctor indemnity Insurance include:
    • A duly filled and signed claim form
    • Claim notice
    • Copy of the policy document
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