Medical Malpractice Insurance
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What is Medical 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.
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:
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
Failure to treat
Premature discharge from hospital
Negligence in pregnancy or childbirth
Delay in consultation & treatment
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
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.