Medical Malpractice Insurance For Allied Health Professionals

Protect Your Career in Just a Few Clicks: Get Medical Malpractice Insurance Now!

Get instant cover

Compare free quotes

Buy online, no paperwork


Get instant online insurance quotes from leading Insurers

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, phycologists, 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.

Why is medical malpractice insurance important?

As an allied health professional, you are responsible for providing care to patients, and there is always a risk of something going wrong during the course of treatment. If a patient suffers harm or injury due to your actions or negligence, you can be held liable for damages and face legal action.

Insurance can help mitigate these risks by providing coverage for legal fees, settlements, and damages awarded in lawsuits. It can also provide coverage for other types of liabilities, such as property damage or theft.

Insurance can also help protect your reputation and livelihood by supporting your defence in case of a malpractice claim. Overall, insurance for allied health professionals is an important investment that can help to protect your financial and professional future.

Trust signals_home page_Bi-me

What additional coverages are included?

Standard extensions for allied health professionals are additional coverage included in the policy beyond the basic scope provided. These extensions provide broader protection for a professional against a more comprehensive range of risks, helping to ensure that they are adequately covered in the event of a loss or accident. Some of the types of coverage included are:

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

What is not covered?

    A detailed list of exclusions is noted in the policy wording. This includes but is not limited to:
  • Criminal acts or violations of laws
  • Product-related issues, excluding incorrect prescription claim
  • Plastic surgery, except when it's for remedying injuries caused by an accident.
  • Investment Advice
  • Claims related to pollutants
  • Breaches arising from the operation of the insured's internet sites
  • And more

Customised Medical Malpractice insurance

Considerations when taking out an insurance policy

When taking out a policy, there are several important factors to consider.


Consider the deductibles associated with the policy and whether they are affordable for your business.


Make sure that the policy provides adequate coverage limits to protect your business in the event of a claim.


Understand what risks are excluded from the policy to ensure that your business is fully protected.

Why choose Bi-me?

Instant quote and cover icon

Instant Quote & Cover

Industry Leading services icon

Industry Leading Services

Paperless, online purchase icon

Paperless, Online Purchase

month-to-month contract


Insurance offered by Bi-me for allied health professionals is considered option number 1 because it offers comprehensive coverage and protection for a wide range of risks that allied health professionals may encounter in their work. This type of insurance is specifically designed to meet the needs of allied health professionals, including medical technologists, respiratory therapists, radiologic technologists, physical therapists, and many others.

Bi-me provides coverage for liability claims, including malpractice claims, and also includes coverage for damages, legal fees, and other expenses associated with such claims. Additionally, this type of insurance can also protect against incidents such as property damage, theft, and loss of income due to injury or illness

5 Steps to Finding the Perfect Insurance Plan


Before you start shopping for insurance, it's important to understand what types of risks your business faces and what coverage you need to protect yourself from those risks


Not all insurance providers offer Medical Malpractice Insurance, so you'll need to do some research to find companies that do. Look for providers that have experience working with businesses in the medical industry and that have a good reputation.


Once you've identified a few potential providers, contact them to get quotes for your insurance. Be sure to provide them with detailed information about your business and your coverage needs so that they can give you an accurate quote.


Once you've received quotes from several providers, compare them to see which one offers the best coverage at the best price.


Choose the provider's quote that suits your business needs the best, make the payment and enjoy instant insurance!

Frequently Asked Questions

Allied health professionals' insurance is a type of insurance policy that is specifically designed to cover the risks and liabilities of individuals who work in the healthcare industry as allied health professionals. This type of insurance can protect against claims of medical malpractice, negligence, and other professional liabilities.
Allied health professionals who work in a variety of healthcare settings, such as hospitals, clinics, and private practices, may need this type of insurance. This includes professionals such as physical therapists, occupational therapists, speech therapists, and other healthcare providers who work in supportive roles.
Allied health professionals' insurance typically covers a range of risks and liabilities, including claims of medical malpractice, negligence, and other professional liabilities. It may also cover legal expenses associated with defending against such claims.
When selecting an insurance policy, you should look for coverage that meets your specific needs and provides adequate protection against liability claims. It's also important to consider the cost of the policy and any deductibles or exclusions that may apply.
  • Bodily injury: Refers to any physical harm, illness, disease, or death. It also includes emotional or mental suffering if it's caused by this physical harm, illness, or death.
  • Breach of duty: Refers to any real or claimed mistake, oversight, false or misleading statement, or failure in doing or not doing professional services.
  • Damages: Refers to the money that you are legally required to pay to someone else if a judgment is made against you, or for settlements that meet the agreement requirements detailed in the Claims Conditions. This is subject to the limits of the loss.
  • Deductible is the amount you need to pay for each claim as listed in the insurance policy. This amount also applies to legal defense costs and you have to pay it no matter what the result of the claim is.