PROFESSIONAL INDEMNITY 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.

It applies to claims arising out of bodily injury and / or death of any patient caused by or alleged to have been caused by error, omission or negligence in professional services rendered or which should been rendered by the insured or qualified assistants named in the schedule or any nurse or technician employed by the insured.

1. Legal liability as fixed by courts in India to pay compensation. 
2. Defence costs and expenses. This means all costs, fees and expenses incurred with the prior consent of the insurer in the investigation, defence or settlement of any claim made against the insured, provided the claim within the ambit of the policy. 
3. The amount of payment under (a) and (b) will not exceed the amount insured for in the policy under the limit of Any One Accident (AOA) in respect of any or all claims made against the insured arising out of Any One Accident. 

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

1. Liability arising from any criminal act or act in violation of any law or ordinance. 
2. Services rendered under the influence of intoxicants or narcotics. 
3. Dental treatment under general anaesthesia except in a hospital. 
4. The use of drugs for weight reduction.
5. Plastic surgery except for repair of scar being the result of previous surgery, or in connection with burns or other traumatic injury. 
6. AIDS related conditions. 
7. Due to intentional non-compliance of statutory provisions. 
8. Personal injuries such as libel, false arrest, defamation, mental injury, shock etc. 
9. Genetic injuries caused by x-ray and radioactive substances. 
10. Liability to employees / apprentices / contractors / general third party public. 

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

NOW THIS POLICY WITHNESSTH that subject to the terms exceptions and conditions contained herein or endorsed hereon the company will indemnify the insured against their legal liability to pay compensation including defence costs, fees and expenses anywhere in India in accordance with Indian Law.

2. INDEMNITY:

The Indemnity applies only to claims arising out of 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 or qualified assistants named in the Schedule or any nurse or technician employed by the Insured (hereinafter referred to as the 'Act').

PROVIDED ALWAYS THAT

• such act during the period of Insurances results in a claim being first made in writing against the nsured during the policy period as stated in the Schedule. 
• there shall be no liability hereunder for any claim made against the insured for act committed or alleged to have been committed prior to the Retroactive Date specified in the Schedule.

For the purpose of determining the Indemnity granted. 

• 'Policy period' means the period commencing from twelve midnight following the date of acceptance of risk and payment of the premium and terminating at midnight on the expiry date as shown in the Policy Schedule. 
• 'Period of Insurance' means the period commencing from the retroactive date and terminating on the expiry date as shown in the Policy Schedule. 
• 'Bodily Injury' means death, injury, illness or disease of or to any person.