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Doctor's Professional Indemnity

This policy provides adequate and affordable coverage for healthcare professionals against financial and reputational losses in the event of incidents of malpractice or unexpected outcomes, after medical procedures conducted within the scope of the professional services rendered under domestic legislation, ethical codes, and rules.

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Who is the Insurance product for?

The Doctor’s Professional Indemnity Policy covers healthcare professionals (Doctors and Dentists) involved in either private practice or full-time employment licensed by the Medical Practitioners and Dentists Council.

The Coverage

These incidents include: 

  1. Court judgments/awards for acts of professional negligence 
  2. Legal costs of defense in court
  3. Cost of disciplinary hearings 
  4. Cost of defamation suits 
  5. Loss of documents 
  6. Dishonesty 
  7. Libel and Slander

Incident Management

In collaboration with Minet Kenya Healthcare Consulting, the policy provides proactive incident management and support to the insured doctor right from the time an incident occurs to the time the matter is resolved. Minet Healthcare will also provide online administrative and customer service support.

Life and Personal Accident Extension

This Doctor’s PI cover is extended to provide a life and accident insurance cover to the individual doctors who buy this solution. The life cover extension pays a fixed lump sum if the doctor dies during the defined cover period. The limit of cover provided is indicated in the table below:


Your contract with your patient assumes reasonable care and skill during treatment. But even with utmost care, human errors can happen. This is where our Doctor’s Professional Indemnity cover comes in.
Benefits
Limits
Life Cover - Natural or Accidental Death
1,000,000
Permanent Total Disablement
1,000,000
Last Expense
250,000

Limits of Indemnity and Premium Rates

INDEMNITY LIMIT CLASS I CLASS II CLASS III CLASS IV
CLASS I CLASS I+LIFE CLASS II CLASS II+LIFE CLASS III CLASS III+LIFE CLASS IV CLASS IV+LIFE
1,500,000 7,500 12,500 9,750 14,750 12,000 17,000 15,000 20,000
3,000,000 10,800 15,800 18,000 23,000 22,500 27,500 30,000 35,000
5,000,000 13,500 18,500 22,500 27,500 28,125 33,125 37,500 42,500
7,000,000 16,380 21,380 27,300 32,300 34,125 39,125 45,500 50,500
10,000,000 18,525 23,525 30,875 35,875 38,000 43,000 47,500 52,500
15,000,000 21,426 26,426 35,709 40,709 39,000 44,000 48,750 53,750
20,000,000 27,300 32,300 45,500 50,500 52,000 57,000 65,000 70,000
30,000,000 32,063 37,063 53,438 58,438 58,125 63,125 75,000 80,000
40,000,000 34,440 39,440 57,400 62,400 65,600 70,600 82,000 87,000
50,000,000 37,800 42,800 63,000 68,000 74,375 79,375 87,500 92,500
60,000,000 41,040 46,040 68,400 73,400 82,080 87,080 96,000 101,000
75,000,000 47,250 52,250 78,750 83,750 95,625 100,625 112,500 117,500
100,000,000 63,000 68,000 105,000 110,000 120,000 125,000 150,000 155,000

Doctor Categories

Class I (Low Risk)
Class II (Intermediate Risk) 
Class III (Medium Risk) 
Class IV (High Risk) 
This will apply to all doctors who are not in clinical practice, and therefore do not manage patients routinely. These include research scientists, public health experts, administrators in public and private institutions, doctors who work in insurance and other corporate bodies.
Interns 
Medical Oncologists 
All surgical disciplines 
Medical Officers
Dentists 
Interventional Radiologists 
General Practitioners 
Paediatricians 
Interventional Cardiologists 
Pathologists
Radiologists 
Obstetricians / Gynaecologists 
Haematologists 
All physicians (Internal Medicine, Cardiologists, Neurologists, Gastroenterologists, Endocrinologist, Dermatologists etc.) 
Surgical Oncologists 
Psychiatrists 
Ophthalmologists 
Geneticists 
Optometrists / Opticians

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