In a time when the country’s health infrastructure is facing severe challenges in coping up with a pandemic and there are shortcomings being reported in terms of the faint medical infrastructure conditions, having a medical indemnity insurance works as a safety shield for you and your family.
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Medical indemnity insurance cover is a health insurance cover that provides protection to both a doctor and his/her patients in case of a complication while conducting a medical procedure during the patient’s treatment, resulting in harm or further problems.
Primarily, a medical indemnity insurance cover is financial aid for the healthcare professionals and health establishments, in case any of their medical procedures/services cause harm to the patients. By harm, we imply to injury, illness, financial loss etc. which result from carelessness or absence of healthcare providers.
It further provides protection for the medical establishments such as hospitals/clinics and their medical staff and professionals from defamation, destruction of necessary important documents, violations of duty, and much more.
In case you are searching for a medical indemnity insurance cover, you can opt for Professional Indemnity Cover offered by Bajaj Finserv. It not just provides cover for medical professionals but also professionals from different fields. You can also check health insurance with great features and benefits.
While the policy provides for several benefits it is good to know what is not covered under this policy.
What is not covered?
• Procedures performed under the influence of intoxicants / illegal drugs
• Unlawful acts
• Plastic surgery
• HIV Aids
• Weight reduction procedures
• Cosmetic surgery, punch grafts, hair transplants etc.
• Defiance of statutory provisions
• Radioactivity
There are numerous challenges that a medical professional or organization has to face in today’s world and with the pandemic hitting the country, the situation has only worsened. While the doctors are dedicated to do their duties, we must not forget that they are also human. Hence, for the protection of your finances, image, and your professional integrity it is best to have a medical indemnity insurance cover in place. Apart from financial benefits having a support in legal aids is also an added advantage of the policy. Therefore, as we say better safe than sorry!
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