What is it? Medical malpractice insurance will pay both the legal costs of defending an action and any subsequent damages awarded subject to policy terms and conditions.
Who needs it? Medical malpractice insurance is for anyone working in the healthcare industry and associated caring professions. All medical practitioners including occupational health agencies, complementary health practitioners, nursing homes, care homes and other health professionals, should be protected.
Inperio have been instrumental in creating a brand new Medical malpractice product for a previously uninsured sector of the medical profession using expertise and market knowledge. Medical & Clinical Negligence claims are different from Personal Injury claims in that they require the Claimant to prove two separate things:
- That the healthcare professional failed to carry out their responsibilities (Fault)
- This is what caused the Claimant to be in the position they are now in (Avoidable Harm).
A negligence claim will involve a ‘breach of duty’. With the type of treatment received, if care fell below the standard expected of a reasonably competent and skilful specialist in that area of treatment a breach will have occurred. Avoidable Harm is also called ‘causation’. If the negligent care (rather than the underlying condition) of a claimant has caused ‘harm’, liability may arise.
A basic Medical malpractice insurance coverage will provide protection arising from the professional activities of an individual in the event of any incident, occurrence, fact, matter, act or omission which may lead to a claim.
In addition to this basic coverage, a medical malpractice policy will include defence costs – and costs of investigation to settle or defend a claim against malpractice including mental injury and Good Samaritan acts and also dishonesty of partners, directors or employees.