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PROFESSIONAL IDENTITY INSURANCE FOR DOCTORS

SALIENT FEATURES :

This insurance covers legal liability arising from errors and omissions on the part of Registered Medical Practitioners while rendering professional service

SCOPE OF COVER :

The policy indemnifies any act committed by the insured, who shall be a Registered Medical practitioner, giving rise to any legal liability to Third Parties. The insured includes the policy holder and his qualified assistants or employees as named in the proposal form..

EXCLUSIONS :

Third party public liability. Fines, penalties, punitive or exemplary damages. Any loss of financial nature like loss of goodwill, loss of market etc. Liability, if any, assumed by agreement and which would not have attached if not for the agreement SPECIAL

BENEFITS :

  • Eetroactive Benefit : This means that the insured will be covered for any professional act or omission occurring during the period of insurance, which means the first date of the first policy, provided that the policy is renewed without interruption and is in force when the claim arising out of the act or omission is made in writing against the insured during the policy period. Policy period means the period incepting from the date and hour mentioned in the policy schedule and terminating at midnight on the expiry date indicated in the policy schedule.
  • Notification Extension Clause: If the insured notifies during the policy period any specific event or circumstance which the insurer accepts may give rise to a claim, then the acceptance of such notification means that the insurer will deal with the claim as if it has been made during the policy period.
  • Extended Claim Reporting Clause : In the event of non-renewal or cancellation of the policy, the Insurer will allow a time limit upto 90 days, provided another policy does not exists, for notification of claims for accidents which had taken place during the period of insurance.

MAIN EXCLUSIONS :

Dental treatment under general anaesthesia except in a hospital. Plastic surgery except for repair of scar being the result of previous surgery, or in connection with burns or other traumatic injury The use of drugs for weight reduction. AIDS related conditions. Due to intentional non-compliance of statutory provisions. Personal injuries such as libel, false arrest, defamation, mental injury, shock etc.

IMPORTANT CONDITIONS

  • Early written notice of any claim to the insurer. Sending of any claim, writ, summons or process and ail documents to the Insurer.
  • No admission offer promise or payment to be made without the consent of the Insurer.
  • The Insurer has the right to take over and conduct in the name of the Insured, the defence / settlement of the claim.
  • The Insured shall give all such information and assistance as the company may reasonably require.
  • The Insured shall give all such information and assistance as the company may reasonably require.
  • No short period policy is permitted i.e. all policies will be for 12 months.

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