What You Should Know Before Choosing Professional Indemnity Insurance for Doctors

This policy protects medical professionals against legal liability arising from negligence, errors, or omissions during their professional services.

What It Covers

- Legal liability for damages due to injury or death of a patient

- Covers errors, omissions, or negligent acts in professional practice

- Includes legal costs and expenses

Extensions / Add-ons

- Unqualified staff can be covered with additional premium

Key Conditions

- Claims-made policy: Claim must be reported within the policy period

- Incident should occur after the retroactive date

- Policy limits reduce based on defense or settlement expenses

- Insurer may review records and documents related to the policy

- Coverage applies within defined territory and jurisdiction

Requirements

- Completed proposal form

- Additional details as required by the insurer

What Is Not Covered

- Procedures under general anaesthesia outside hospitals

- Use of drugs for weight reduction

- Cosmetic procedures like plastic surgery, hair transplants (except specific medical cases)

- Genetic damage from X-ray or radioactive treatments

- Terrorism-related claims

Disclaimer

This is a general overview. Refer to the policy document for full terms, conditions, and exclusions.