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Professional Indemnity of Medical Practitioners and Medical Staff

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Professional Indemnity of Medical Practitioners and Medical Staff

As per Art.189 of the Health Act, in force since 01.01.2005, the Professional Indemnity of Medical Practitioners and Medical Staff insurance is compulsory. It is designed for all persons with medical education and medical practice license. The medical facility is obliged to insure its medical staff for damages that can occur as a result of neglect of their professional duties. The insurance cover includes the whole medical staff – doctors, pharmacists, dentists, medical care specialists (medical nurses, midwives, paramedical practitioners, lab technicians, rehabilitators), excluding the administrative staff (accountants, lawyers, etc.), drivers, health officers and others not practicing the medical profession.

Risks covered:

  • compensation claims for bodily injury or death of patient(s) resulting from negligence, error or omission made by doctors or medical staff while performing their professional duties;
  • all legal expenses.

The insurance cover can be extended with the issuing of the Retroactive Effect cover.
A retroactive date is agreed under the policy, which precedes the starting date of the insurance policy, for example by a year. Based on that the Insurer revises and indemnifies claims laid during the period of the insurance but based on events that occurred after the retroactive date specified in the policy.

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