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Professional Indemnity (Doctors & Medical Practitioners)
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Protection for the experts, by the experts
For a patient, his doctor is someone who promises good health by putting him on the right fitness condition when an emergency lands. Unfortunately, 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.
In today's litigious world, claims can pose a significant threat to the financial security for a medical practitioner. Your expertise is protecting the health of your clients. Our expertise is advising you how to protect your professional interest.
Our Professional Indemnity for Doctors Policy protects you against
 | Claims arising out of bodily injury or death caused by error, omission, negligence |
| Legal liability including |
| Defence costs (costs, fees, expenses) incurred while investigation, cost of representation, compensation etc. |
(Code: Misc 21)
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Scope of cover
This Policy broadly covers:
| 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 |
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Sum Insured
Depending on exposure, the proposer has to fix two limits of indemnity under the policy:
| Any One Accident (AOA) |
| Any One - Year (AOY) |
AOA and AOY can be in ratio of 1:1 or 1:2.
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Premium
Premium chargeable depends on the:
| Risk group of doctor |
| Limits of indemnity selected |
| Ratio of limits |
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Significant Exclusions
This Policy does not cover liability arising out of or in connection with:
| 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 |
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Excess
To be chosen by the insured
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Scope and Jurisdiction
| 0.25% of AOA |
| India only |
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