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Doctors Professional indemnity Solution


This is a cover that protects professionals against claims of alleged negligence or breach of duty arising from an act, error or omission in providing a professional service or advice.

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What is covered?

Implied Terms

We cover legal liability arising out of negligence on the part of the  doctor(s) in the course of their professional duties.
This is negligence which results in:
•Bodily injury (accidental death, injury, disease, illness, mental injury, mental anguish or shock); and
•Costs and expenses incurred (with the insurance company’s consent) in defence or settlements of a claim against the doctor. The following medical practitioners can be covered:
•Dentists                                                •Dermatologists
•Radiologists                                          •Surgeons
•Gynecologists                                       •Pathologists
•ENT Surgeons                                       •Pediatricians
•General Practitioners                             •Cardiologists  
In a contract between a professional and a client, there usually exist implied terms which demand that reasonable care be exercised in the delivery of services. Progressively, client expectations are increasing due to a number of factors.
These include:
• Technological advances
• The Consumer Protection Act 2012
• Access to information
• A more intrusive media
•Increase in the size of court awards 
Without a measure of what constitutes reasonable care and skill, disputes are inevitable. 
This has serious financial implications on medical practioners’ finances and practice.

 

Steps to take in the event that things go wrong:

1. Make clear records of the event while things are still fresh in the mind. Ensure that you keep all copies in a secure, personal place.
2. Write to us formally, informing us of the event.
3. Do not admit liability. Do not make any offer/promise/payment or engage in any correspondence with a complainant without our written consent.
4. Do not incur any legal expenses that you intend to claim without our approval.
5. Do not respond to any third party correspondence. Instead, forward them to us immediately so that we can respond on your behalf.


*Premium payable. Exclusive of taxes

Limit
Excess
Group I
Group II
Group III
Group IV
Group V
2.5M
15,000
19,260
20,750
21,780
26,140
30,380
3M
20,000
20,610
22,210
23,310
27,970
32,510
5M
30,000
26,000
28,000
29,400
35,280
41,000
10M
40,000
40,000
42,000
44,100
49,300
55,350
15M
50,000
48,250
51,375
53,945
60,810
68,675
20M
60,000
56,500
60,750
63,790
72,320
82,000
30M
75,00
65,800
70,000
73,500
81,140
90,200
40M
90,000
72,500
77,840
81,700
91,720
102,500
50M
100,000
78,850
84,000
88,200
98,780
110,000

 

Group I:   General practitioner, Dermatology Endocrinology, Geneticist Haematopathology Internal Medicine,
Pathology physician, Psychiatry, Rheumatologist Dentist
Group II:   Anesthetics, Cardiology, Gastroenterology, Neonatology, Oncology, Paediatrics, Radiology, Urology.
Group III:   Cardiac Surgery, ENT Surgery, Ophthalmology.
Group IV:   Cardiothoracic Surgery, Thoracic Surgery, Orthopaedics, General surgery, Vascular Surgery, Geriatric Surgery.
Group V:   Gynaecology, Neurosurgery.

 

Additional Benefits:

In addition to the benefits listed, we also offer the following:
- Free continuing cover on retirement ( provided that the retirement or cessation was not due to being struck off the register of the Kenya Medical Practioners and Dentist Board)
- Free last expense cover for Kshs 25,000

  1. Kindly fill in the form below to register or sign up for Doctor's Indemnity Cover.

    Please note this is a preliminary sign up form before submitting your filled and signed form. Will be in touch with you within 48hrs.

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