Medical Malpractice Insurance

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Medical Malpractice Insurance

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What is Medical Malpractice Insurance?

Medical Malpractice Insurance is a professional liability insurance policy for healthcare professionals. It protects you from legal claims related to medical malpractice, such as negligence, prescription of wrong medication, faulty diagnosis & treatment of patients. It is mandatory under UAE laws for medical professionals to obtain malpractice insurance.

The policy provides comprehensive coverage and covers a wide range of professional risks. It covers claims arising from injury, trauma, or death of patients.
What is Medical Malpractice Insurance

Who Needs Medical Malpractice Insurance?

Medical Malpractice Insurance UAE is compulsory for all medical practitioners, holding licenses from DHA, MOH, or HAAD. The detailed list is as follows:


General Practitioners

Nursing Professionals

Diagnosticians & Laboratory Staff

Trainee medical professionals



Allied healthcare staff

Practitioners of Alternative Medicine

Why Do You Need a Medical Malpractice Insurance?

Malpractice Insurance is mandatory for all medical practitioners under UAE laws

Medical liability insurance provides legal and financial protection to doctors as well as the medical staff in case of medical negligence & errors

This policy protects healthcare professionals from claims & lawsuits

Medical malpractice insurance gives you security and peace of mind to discharge their duties without fear

Common Risk Scenarios in Medical Malpractice Insurance

Some of the common types of medical malpractice are:

Faulty diagnosis or delayed diagnosis

Medication errors

Failure to treat

Premature discharge from hospital   

Surgical errors

Negligence in pregnancy or childbirth

Delay in consultation & treatment

What is Covered Under Medical Malpractice Insurance?

Medical Professional Liability Insurance covers the following:

What is Not Covered Under Medical Malpractice Insurance?

Medical liability insurance does not cover the following cases.

What are the Limits of Medical Malpractice Insurance?

The indemnity limit for medical malpractice insurance in UAE is generally in the range of 150,000 AED to AED 20 million.

The liability limit is the maximum amount that an insurance company pays for a valid claim.

The limit of liability for a policy is usually set separately for a single claim, which is lower than the policy limit of liability for all claims in aggregate over the year.

What are the Factors that Decide the Pricing of a Medical Malpractice Insurance Policy?

Malpractice insurance provides professional insurance for doctors. The premium is decided based on the following factors.

Limit of Indemnity (LOI) : The maximum amount that an insurer will reimburse under a policy throughout the policy period 

Area of specialization

Professional qualification

Claims history of the insured

Frequently Asked Questions About Malpractice Insurance

Medical malpractice insurance is a professional indemnity insurance policy for medical practitioners. It protects individual professionals and healthcare facilities from the legal claims of patients.

Malpractice insurance offers comprehensive protection to all medical professionals. It covers the risk of injury, illness, or death of patients due to medical negligence, misdiagnosis, wrong treatment, delays, etc., by these professionals. The policy protects the professionals from the legal liability of paying large sums of money as compensation to their patients.

Yes. As per UAE laws, malpractice insurance is mandatory for all medical professionals. The policy also serves as a reference for all licensed professionals in UAE.

A claim-made policy provides coverage only if the policy is in force both at the time of the incident and when the claim is filed. But an occurrence malpractice insurance policy provides coverage for any incident during the policy period, irrespective of when the claim is filed.

Yes. Malpractice insurance for medical students is required because clinics & hospitals in UAE require students to compulsorily cover themselves with professional liability insurance.