If you are a doctor or a health professional, Malpractice Insurance is necessary to protect you from claims of injury to patients due to alleged negligence
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What is Malpractice Insurance?
It is a type of professional liability insurance that protects doctors and other health professionals against alleged negligence that lead to patient injuries. Canadian physicians, whether they practice privately or with a hospital, are required to have medical liability insurance.
The Massachusetts General Hospital Department of Medicine concluded in a study that most doctors will require malpractice insurance at some point in their career.
What does Medical Malpractice Liability Insurance cover?
- Failure to attend a patient
- Failures in diagnosis
- Failures in referral or consultation
- Failure to communicate with other physicians
- Failure to protect or warn third parties
- Substandard treatment
What is not covered?
- Injuries from the use of autos, which includes loading or unloading of patients
- Intentional negligence when engaging in professional duties
- Claims related to incorrect prescription and dosage
- Unnecessary surgery or operating on the wrong body part
What are the different types of Medical Malpractice Insurance?
- Claims-made insurance
- Occurrence policies
- Claims-paid policies
- Errors and omissions
How much does malpractice insurance cost?
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Which professions require Malpractice Insurance?
Professionals who benefit from the coverage:
Health and Wellness Centers
Weight Loss Clinics
Independent Health Professionals
Common scenarios where Malpractice Insurance is useful:
A radiologist misreads an X-ray, leading to misdiagnosis – patient decides to sue.
A physiotherapist recommends a shoulder treatment routine that causes further injury to a patient.
A dentist does not fully take into consideration his patient’s complains and remarks, leading to misdiagnosis
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