Professional Indemnity Insurance for Doctors

It cover your Legal fees and court awarded damages or settlement compensation to be paid against claims arising out of:

• Medical malpractice allegations / legal suits (Errors & Omissions in practice)
• Breach of confidentiality allegations
• Loss of third party documents (cost of reinstatement of documents)

This Policy also cover Legal Liability arising against them because of their staff

Who is covered?

• Medical graduate working as a resident doctor
• Practising medical professional
• Qualified Assistant, Nurses

Why do Doctors need Professional Indemnity?

For a patient, his doctor is someone who promises good health when a medical emergency lands. Unfortunately, human error cannot be eliminated and doctors are exposed to the risk of claims from clients who have suffered loss due to neglect, error or omission. In today’s litigious world, claims can pose a significant threat to the financial security for a medical practitioner.

Professional Negligence-

Error, omission or an un-intentional negligence by a medical practitioner during diagnosis or treatment of the patient, which results in bodily injury, illness, sickness, adversities or death of the patient.

Coverage:

• Legal liability including defence costs (costs, fees, expenses) incurred while investigation
• cost of representation
• compensation for Claims arising out of bodily injury or death caused by error
• omission
• negligence while rendering the professional services

Exclusions:

• Punitive & Exemplary Damages
• Fines and Penalties
• Pure Financial Losses
• Any Criminal Act, Violation of any law / ordinance
• Services while under influence of intoxicants / Narcotics
• Liability arising out of Pure Cosmesis procedures