Medical Malpractice

Overview

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.

This insurance covers the legal liability arising out of omissions or negligence on the part of a Registered Medical Practitioner.

Scope of Cover

This policy Indemnify any act committed by the Insured/Reported during the policy period who shall be a registered Medical Practitioner, giving rise to any Legal Liability to Third Parties.
This Policy broadly covers Legal Liability arising out of:

  • Bodily injury and / or death of any patient caused by or alleged to have been caused by error, omission or negligence in professional service rendered or which should have been rendered by the insured doctor
  • Legal costs and expenses

Insured includes the policy holder and his qualified assistants or employees named in the policy.

Exclusions

Following are the main exclusions under the policy:

  • Criminal acts
  • Acts committed under influence of intoxicants/narcotics
  • Weight reduction
  • Plastic surgery
  • HIV/AIDS
  • Non compliance with statutory provisions
  • Punitive and exemplary damages
  • Radioactivity
  • Blood Banks

Underwriting Information Required

  • Completed Proposal Form