Doctors Indemnity Policy

Brief Description :

This Policy is for the Doctors who are registered with IMA. This Policy will indemnify any act committed by the Insured who shall be a Registered Medical Practitioner, giving rise to any Legal Liability to Third Parties. The Insured includes the Policy Holder and his Qualified Assistants or employees named in the Proposal. The Act has to be commited during the period of insurance commencing from the Retroactive Date. In the normal course all claims for compensation have to be legally established in a Court of Law. Jurisdiction applicable will be Indian Courts. The limit of indemnity granted under the Policy for Any One Accident(AOA) or Any One Year(AOY) (per accident per policy year) will be identical. No Short period policies are permitted. Registered Medical Practitioners shall be classified as:
1 Physicians
2 Pathologists
3 Oncologists
4 Cardiologists
5 Psychiatrists
6 Radiologists or Roentgenologists
7 General Surgeons
8 Plastic Surgeons
9 Orthopaedic Surgeons
10 Urologists
11 Abdominal Surgeons
12 Thoracic Surgeons
13 Neuro Surgeons
14 Cardio-Vascular Surgeons
15 Otorhinolarynologists
16 Prootologists
17 Ophthalmalogic Surgeon
18 Ophthalmalogic Physician (Excluding Surgery)
19 Obstetrician and Gynaecologist
20 Physician and non-specialist Surgeon
21 Other Practitiones - describe fully

Covered Risks :

ERRORS and OMISSIONS on the part of the Medical Practioners, Physicians and Surgeons

Major Exclusions :

Criminal act, services rendered under the influence of intoxicants or narcotics, Third party Public Liability, claims under cosmetic plastic surgery, hair transplants, punch grafts, flap rotations etc.

Premium:

0.01 % of Sum Assured for Physian
0.02 % of Sum Assured for Surgen