Frequent Asked Question

FAQ Form

PROFESSIONAL LIABILITY INSURANCE FOR DOCTORS

1. What is the coverage of this product ?

This product coverage is all of the reasonable and customize cost and expenses arising with regard to law suit charges against malpractice. As mentioned in the police :

.1. Insuring Agreement

Subject to all the terms contained herein and endorsed hereon, the company will indemnify the insured for those sums which the insured, as a result of conducting the insured profession and the insured medical practice as described in Item 2 of the schedule , will become legally liable to pay as damages for loss arising out the bodily injury caused by an incident and it applies ...

Bodily Injury means corporal injury, sickness or desease sustained by a patient as a result of medical treatment in the insured's practice including death resulting from any of these at any time.

Incident means any actual or alleged neglect, error or omission in conducting the insured profession.

2. What is the superiority of this product than others?

3. Will this insurance cover the settlement outside the court?

Yes. As the policy said that insurer will proceed immediately with settlements and pay claims expenses.

1.4. Duties in the event of incident or Claim

… when there is an incident, which may involve this policy, the insured first named in item 1 of the schedule may, without prejudice as to liability, proceed immediately with settlements an pay claims expenses with respect to such settlements provided that such settlements and claims expenses, in their aggregate, do not exceed the insured's retains amount shown in item 4 of the schedule. The insured first named in item 1 of the schedule will not promptly notify the company of any such settlements made.

4. Will this insurance cover all of the cost emerged during the court period although at the end the court doctor judged not guilty?

Yes, this policy will cover all of the cost and expenses arise during the court until the end of settlement although the doctors was proven not guilty.

5. What if the doctor has two or more same type of insurance?

In this case, the policy will automatically become the policy excess of other insurance. It means this insurance will only cover the excess of claim that reach the limit of coverage of other insurance.

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