MEDICAL PROFESSIONAL LIABILITY
Medical Professional Liability Insurance
Helps manage the financial impact when doctors or other medical professionals face legal liability claims arising from their professional services. Coverage, limits, reporting periods and exclusions are subject to the terms of each policy.
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Who Should Consider This Coverage
Individual Doctors
Doctors and Medical Specialists
Professionals who provide consultations, examinations, diagnoses, treatment or procedures within the scope of their licence and the insurer’s underwriting terms.
Clinics
Clinics and Medical Centres
Healthcare facilities that need to consider the liability of the organisation and its personnel, as well as the services specified in the policy.
Organisations
Hospitals and Healthcare Networks
Organisations with doctors across multiple specialties or locations, or contractual requirements that call for insured parties and limits to be defined appropriately.
Key Points to Review in a Quotation
Legal Liability
Review the scope of claims arising from professional services in accordance with the policy wording and conditions.
Defence Costs
Check whether defence costs are included within the policy limit or provided under a separate limit, and what consent requirements apply.
Coverage Period
Carefully review the claims-made basis, retroactive date, and the requirements for notifying circumstances or claims.
Information Required for a Quotation
Full Disclosure of Material Information Is Essential
Information about specialties, procedures, locations, claims history and known circumstances that may give rise to a claim affects underwriting. Answer all questions truthfully and review the documents before confirming.
Note: This content is for general information only and does not guarantee that every event will be covered. Please review the quotation, policy schedule, terms, conditions and exclusions before making a decision.
Questions to Ask Before Selecting Coverage
How Do the Limits and Costs Interact?
The limit for each claim and in the aggregate for the policy period, including the treatment of defence costs, may differ between quotations.
Who Is Insured?
Individual doctors, clinics, hospitals, employees or persons acting on their behalf should be checked against the named insureds and definitions to ensure they match the actual operations.
Which Services or Procedures Are Specified or Excluded?
Certain specialties, procedures, service territories and additional activities may need to be declared or require an extension of coverage.
When Must a Circumstance Be Reported?
If you receive a written demand or become aware of circumstances that may give rise to a claim, contact the insurer and broker promptly in accordance with the required procedure.
Let A.U.S. Help Prepare Your Information for a Quotation
Send us the initial details without attaching medical records or patient information. Our team will contact you with a suitable list of required information.
LINE: @AUSINSURE · Tel: 065-493-6595
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