Health Gurus

All you need about health liability insurance

Before hiring a health liability insurance

, it is necessary to be well informed of its basic and additional coverage, and if it is mandatory for you.

What is Medical Liability insurance?

The healthcare insurance professional liability is a product specifically designed to protect doctors in their professional performance against damages caused to third parties. It can be adapted to each and every one of the medical specialties , from primary care to aesthetic medicine or surgery, as well as the modality in which the doctor works – public, mixed or private health -.

When it comes to getting information to take out RC medical insurance, it is necessary to verify very well that the insurance includes good coverage in order to be well protected in the event of a possible claim. 

In professional CR insurance for doctors  , an insured capital is established for health CR insurance and professional disqualification and legal defense are generally included .

But there are also other interesting coverages to look at, such as the leasehold RC – which covers the civil liability derived from the use of premises and real estate for medical consultations, clinics and hospitals. Also of greater relevance is the coverage of damage to medical records or records or the protection of personal data , which is worth hiring to practice the profession with greater security.

Is the Healthcare Professional CR insurance compulsory?

In the mixed and private modality, it is mandatory for doctors and other health professionals. This is established by Law 44/2003, of November 21, on the organization of the health professions, in article 4.8 (section e):

Have subscribed and in force a liability insurance, an endorsement or other financial guarantee, whether for personal or collective protection, that covers the compensation that may arise from professional liability for possible damage to people caused on the occasion of the provision of such assistance or services when the profession is exercised in the field of private healthcare.

Therefore, any doctor who works in private health or combines his work in it with public health must have a professional CR policy. 

Doctors and health workers who are in public health and only work in it are not required to take out insurance of this type. The hospitals and health centers have their own health insurance, which respond to the RC derived from its workforce. 

Despite not being required, liability insurance for health is highly recommended also for professionals who work in public health. The doctors do not always know the details hedges or capital contracted by the Public Administration. 

Having an individual medical liability insurance always facilitates claim management at times that are often difficult for any professional. 

What risks do doctors have without CR Health insurance?

The liability insurance is basic and mandatory for professionals working in private health companies. The professional practice of any type of specialty – even those that do not have direct contact with the patient – can lead to some type of claim for personal injury. 

The risks are evident and range from the constitution of a criminal offense to large compensation, court bonds, legal defense costs and professional disqualification, which entails the total loss of income. All of them, risks associated with moments in which there is a strong emotional tension.

Professional RC insurance is not an option to consider for doctors. It is the guarantee to develop your profession with the peace of mind that insurance protects you according to the law, you have legal assistance in case of a claim and that you can even maintain your income during a professional disqualification

Specialists in Sanitary Civil Liability

If, in addition to being a doctor, you are an administrator of a hospital or a private clinic, you should also find out about D&O insurance to protect your personal assets.

In addition to this, it is very important that you have more information about Cybersecurity Insurance . More and more cyberattacks are taking place and are causing claims for very high amounts.

In the mixed and private modality, it is mandatory for doctors and other health professionals. This is established by Law 44/2003, of November 21, on the organization of the health professions, in article 4.8 (section e):

Have subscribed and in force a liability insurance, an endorsement or other financial guarantee, whether for personal or collective protection, that covers the compensation that may arise from professional liability for possible damage to people caused on the occasion of the provision of such assistance or services when the profession is exercised in the field of private healthcare.

Therefore, any doctor who works in private health or combines his work in it with public health must have a professional CR policy. 

Doctors and health workers who are in public health and only work in it are not required to take out insurance of this type. The hospitals and health centers have their own health insurance, which respond to the RC derived from its workforce. 

Despite not being required, liability insurance for health is highly recommended also for professionals who work in public health. The doctors do not always know the details hedges or capital contracted by the Public Administration. 

Having an individual medical liability insurance always facilitates claim management at times that are often difficult for any professional. 

What risks do doctors have without CR Health insurance?

The liability insurance is basic and mandatory for professionals working in private health companies. The professional practice of any type of specialty – even those that do not have direct contact with the patient – can lead to some type of claim for personal injury. 

The risks are evident and range from the constitution of a criminal offense to large compensation, court bonds, legal defense costs and professional disqualification, which entails the total loss of income. All of them, risks associated with moments in which there is a strong emotional tension.

Professional RC insurance is not an option to consider for doctors. It is the guarantee to develop your profession with the peace of mind that insurance protects you according to the law, you have legal assistance in case of a claim and that you can even maintain your income during a professional disqualification

Specialists in Sanitary Civil Liability

If, in addition to being a doctor, you are an administrator of a hospital or a private clinic, you should also find out about D&O insurance to protect your personal assets.

In addition to this, it is very important that you have more information about Cybersecurity Insurance . More and more cyberattacks are taking place and are causing claims for very high amounts.

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