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It is an insurance policy under which may Registered Establishments viz, Hospitals / Nursing Home, any where in India , can be for Professional errors and omissions. The policy will indemnity the insured in respect of any act committed by the professionals or qualified assistants named in the proposals engaged in the medical establishments which rise to any Third Party legal liability. Such activities will be part of the declared medical activities of the establishments.
Hospitals, Nursing / Convalescent Homes, Medical Home, Homes for physically disabled What are the minimum criteria applicable for the above coverage ? There should be atleast 10 inpatient beds. A fully equipped operation theatre of its own. Fully qualified Nursing Staff. Fully qualified Doctor/Doctors should be in-charge round the clock. Should be registered with competent authority as per the local regulations
This policy indemnify the Errors or negligence committed by the qualified Doctors of the above establishments within the hospitals but not individually. Due to the error of any Doctor or Nurse shall be covered under the above policy, provided that the complaint is filed against the Insured i.e., the Medical Establishment.
In case the complaint is filed against the treating Doctor's individual mane, irrespective of the fact that the treatment has been made in the Hospital, this coverage shall not many way to indemnify the Doctor, as the policy is in the name of the Hospital. Hence, it is advisable that the Doctors should always be covered under the Professional Indemnity Insurance coverage separately.
As, the premium amount consist of : -
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