Frequently Asked Questions
What is the scope of coverage under this policy?
The policy provides coverage for licensed healthcare institutions against financial and reputational losses resulting from incidents of malpractice or unexpected outcomes after medical procedures conducted within the scope of professional services rendered under domestic legislation, ethical codes, and rules.
Which healthcare institutions are eligible for coverage?
The policy is designed for healthcare institutions licensed by the Medical Practitioners and Dentists Council, including private and mission hospitals, medical centers, dental clinics, nursing homes, maternity homes, and standalone funeral homes.
What is the policy excess amount?
The policy has an excess amount of 1% of the indemnity limit, where the insured institution is responsible for the first 1% of any claim.
What incidents are covered under the policy?
The policy covers various incidents such as court judgments for professional negligence, legal defense costs, disciplinary hearing costs, defamation suits, loss of documents, dishonesty, libel, and slander.
How long is the reporting period for incidents?
The reporting period for incidents is six months.
What is the role of active claims management?
Active claims management ensures that claims are reviewed early, establishes admissibility, and explores possible out-of-court settlement options, aiming to expedite the resolution process.
What support is provided for incidents?
The policy offers proactive incident management and support in collaboration with Minet Kenya Healthcare Consulting, providing assistance from the time an incident occurs until its resolution.
Is there online administrative support available?
Yes, the policy includes online administrative and customer service support, which may include risk management audits for healthcare institutions that purchase this solution.
Are different cover limits available?
Yes, the policy offers a range of cover limits from 5,000,000 to 100,000,000, allowing healthcare institutions to choose the appropriate level of coverage based on their needs.
Can the premium be customized?
Yes, the policy offers different premium options corresponding to the chosen cover limit, providing flexibility for healthcare institutions to select a premium that aligns with their budgetary consideration