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.
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:
- Court judgments/awards for acts of professional negligence
- Legal costs of defense in court
- Cost of disciplinary hearings
- Cost of defamation suits
- Loss of documents
- Dishonesty
- 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
|
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| Geneticists
|
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| Optometrists / Opticians
|
Contact us
Still need help? Give us a call.
0730 677 000
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