Can Unqualified Staff be covered in Professional Indemnity Insurance?

Professional indemnity insurance offers coverage for the act of negligence by a medical practitioner while performing treatment or surgery. Medical practitioners are susceptible to the risk of negligence. Therefore, they must purchase a medical indemnity insurance policy (Doctors professional liability insurance policy). However, it is essential to know whether medical indemnity covers unqualified staff or not.

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Unqualified Staff

Before comprehending if the medical indemnity covers unqualified staff, it is important to understand the definition of such staff.

An unqualified staff is an employee working in a hospital or clinic with no medical degree. Such staff does not possess any qualification for performing medical-related tasks. In short, they do not hold formal or professional qualifications. Such staff is known as ward boys, compounders, nurses, etc.

Additionally, the unqualified staff performs some crucial tasks assigned by a doctor. They are overall responsible for the exemplary health of a patient after surgery or treatment.

Medical Indemnity Cover for Unqualified Staff

The unqualified staff discharges several crucial tasks along with the doctor. They perform every task under the direction of doctors. Therefore, they might be held liable for a negligence act along with the medical practitioner. Hence, they are also covered under a medical indemnity insurance policy.

The unqualified medical staff may stay financially protected under liability insurance. While buying medical indemnity insurance, the doctor or hospital is required to provide the details of the qualified and unqualified staff in order to indemnity under the insurance policy.

Explore Types of Professional Indemnity Insurance

Conclusion

An individual may avail of medical indemnity cover for unqualified staff. The medical staff discharges some crucial tasks. In addition, the unqualified staff also includes medical interns pursuing a medical degree in a university or college. Hence, a hospital must purchase a medical indemnity policy for unqualified staff.

Written By: PolicyBazaar - Updated: 25 January 2024
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