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Who can take this Policy?
Doctors and medical practitioners - covers registered medical practitioners like physicians, surgeons, cardiologists, pathologists etc.
Medical establishments - covers legal liability falling on the medical establishment such as hospitals and nursing homes, as a result of error or omission committed by any named professional or qualified assistants engaged by the medical establishment.
Registered medical practitioners such as physicians, surgeons, cardiologists and pathologists as well as medical establishments are protected against legal liability claims made by any of their patients that may be based on bodily injuries and/or death. The policy also pays for the deference cost incurred in defending the case. And they can insure not only themselves, but also other partners or consulting doctors as well as employed assistants. Also, unqualified staff like peons and sweepers working in the clinic can also be covered for errors, omissions and negligence on their part, if named in the Professional Indemnity insurance policy.
Even if the doctors are covered under their hospital or medical establishment's professional indemnity insurance, it is advisable to have their own individual pi policy as well. In certain cases, the establishment may refuse to pay the claim refusing to take responsibility for the negligence and establish that there was no deficiency in the services of the hospital. Another scenario might be that the individual may be practicing at more than one establishments and the policy coverage is for only a specific named facility. Or in certain cases, claim may be higher than the limit of liability opted by the hospital.