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What is medical malpractice insurance?

Medical Malpractice insurance for allied health professionals offers protection against financial losses due to malpractice claims, lawsuits, and other legal disputes. This type of insurance is designed to cover professionals such as dieticians, physiotherapists, psychologists, nurses, and other healthcare professionals who provide direct patient care.

This insurance covers legal fees, damages, and settlements related to malpractice claims, as well as other types of liability and property damage.

What does medical malpractice insurance cover?

Medical Malpractice

Medical malpractice insurance shields healthcare professionals from financial losses in case they are sued for mistakes or negligence causing harm to patients. This includes claims by a third party related to injuries suffered by a patient due to actual or alleged mistakes, or actions taken in good faith to help someone in an emergency (Good Samaritan Act).

Professional Indemnity

Professional indemnity insurance in South Africa protects professionals and businesses from financial losses in case they are sued for providing inadequate services or advice. This covers claims made by clients for losses stemming from actual or alleged mistakes, negligence, or breach of duty. This covers legal fees, compensation, and other associated costs of defending a claim.

Public Liability

Public liability insurance is a type of insurance that protects healthcare providers from financial losses in case they are sued for causing injury or property damage to a third party. This covers claims arising from accidents on business premises or as a result of business operations. Unlike professional indemnity, which focuses on service or advice errors, public liability addresses physical harm or property damage.

Medical Malpractice Insurance Tailored for Your Practice

Explore customised insurance solutions designed for healthcare professionals, ensuring protection against medical malpractice claims. Discover essential coverage to safeguard your practice and maintain peace of mind.

Biokinetics Malpractice Insurance

Medical malpractice insurance shields you from claims related to exercise therapy, letting you focus on patient care without legal worries.

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Chiropractor Malpractice Insurance

Malpractice insurance protects you from claims related to spinal adjustments, allowing you to treat patients with confidence.

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Malpractice Insurance for Doctors

Malpractice insurance protects against misdiagnosis or treatment claims, giving you peace of mind to focus on patient care.

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Dental Malpractice Insurance

Malpractice insurance covers claims from procedures like extractions or fillings, securing your practice from legal risks.

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Dietitians Malpractice Insurance

Protect yourself from claims related to nutritional advice with malpractice insurance, ensuring you can guide clients confidently.

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Psychologist Malpractice Insurance

Malpractice insurance protects you from claims in therapy or counseling sessions, securing your practice and client care..

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Pharmacist Malpractice Insurance

Stay protected from claims of medication errors with malpractice insurance, ensuring your role in patient care is secure.

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Physicians Malpractice Insurance

Malpractice insurance covers claims of negligence or errors, allowing you to provide patient care with confidence.

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Tailored Medical Malpractice Insurance from Bi-me

At Bi-me, we offer customized medical malpractice insurance solutions designed to meet the unique needs of various healthcare professionals, from doctors and pharmacists to specialists and therapists. Our policies provide comprehensive coverage, ensuring protection against claims of negligence or malpractice. By choosing Bi-me, you benefit from expert support, flexible coverage options, and a commitment to safeguarding your career. Trust us to keep you secure while you focus on delivering quality care.

What additional coverages are included?

Investigation Cost

The investigation cost for health professionals' insurance can vary depending on the nature and complexity of the investigation. It may include expenses such as legal fees, expert witness fees, and administrative costs. The insurance company may also need to conduct interviews, review medical records, and gather other evidence to determine the validity of the claim.

Legal Advice

Legal advice for health professionals during an insurance claim can be crucial in protecting their rights and interests. In the event of a claim, health professionals will receive adequate advice to ensure that they have documentation and evidence to support their case, including medical records, patient consent forms, and any other relevant documents.

Defamation Cost

Defamation occurs when a healthcare professional makes a false statement that damages the reputation of another person or entity. This can result in legal action being taken against the healthcare professional, which may lead to costly legal fees and damages. Therefore, it is important for healthcare professionals to have insurance coverage to protect themselves in the event of a defamation lawsuit.

Breach of confidentiality is an optional additional cover that allied health professionals may choose to include in their insurance policies. This coverage is designed to protect these professionals in the event that they accidentally disclose confidential information about their patients. While confidentiality is a fundamental aspect of the healthcare industry, mistakes can happen, and this coverage offers an added layer of protection

Business identity theft is an optional additional cover that allied health professionals can choose to add to their insurance policy. This type of coverage helps protect businesses from the consequences of identity theft, which can include financial losses, damage to reputation, and legal liabilities. In the healthcare industry, where sensitive patient information is often stored and shared, the risk of identity theft is particularly high.

Document insurance is an optional additional cover that provides an extra layer of protection for allied health professionals. It covers the cost of replacing or recovering important documents, such as patient records, in case they are lost, stolen, or damaged. Document insurance is particularly important for allied health professionals who rely heavily on documentation, such as physiotherapists, occupational therapists, and speech therapists.