Medical Malpractice for Healthcare Professionals
Written by Jack Porter - Trainee Underwriter - Casualty
Medical Malpractice is designed to provide an insurance solution for healthcare professionals. It protects an insured against claims for compensation arising from the provision of medical services.
At Fairlight Insurance, our wide product offering includes Medical Malpractice, Liability and Errors and Omissions.
Focusing on Medical Malpractice, it provides protection against:
Misdiagnosis or delayed diagnosis
Abuse and neglect
Failure to obtain informed consent
Inadequate Treatment or Therapy
Negligence in postoperative care
Medical device errors
Failure to refer to specialist
Failure to document properly
Some of the medical activities Fairlight Insurance will offer protection to include:
Allied Health Professionals
Complementary, Alternative and Natural Medicine practitioners
Private hospitals
Day Surgeries and Medical Centres
Diagnostic screening including Pathology and Radiology Clinics
Our Medical Malpractice policy extends cover to:
Abuse Liabilities
Complaint & Investigation Costs
Continuous Cover
Vicarious Liability – Medical & Dental Practitioners
Reinstatement
And many more….
Medical centres, clinics, hospitals, and practitioners can be held accountable for the healthcare services provided within their facilities or through their services. Even if the practicing doctor has their own insurance coverage, it is crucial for the healthcare provider to also have their own medical malpractice insurance.
Some examples of medical malpractice claims include:
A chiropractor performs neck manipulation incorrectly leading to a stroke.
A radiographer fails to capture the correct diagnostic images, leading to a misdiagnosis by the radiologist.
A physiotherapist performs a procedure or treatment without properly explaining the risks and benefits to the patient.
An occupational therapist fails to follow proper sterilisation procedures, leading to infections.
A dietician identifies signs of a medical conditions (e.g. eating disorders) but does not refer the patient to a physician for further evaluation.
A nurse fails to properly document a patient’s conditions or treatment, leading to confusion and improper care.
Fairlight insurance Malpractice Cover
What to know more about Fairlight’s specialised products? Get in touch with our team to find out more.
p. 1300 902 210