A Deep Dive into the Claim Process for Professional Indemnity Insurance for Doctors

A patient may sustain a side-effect from surgery or medication. Such aggrieved patients may sue doctors under negligence and may seek a claim for such imprudence. However, in order to mitigate such claims, buying an insurance policy is not enough. It is equally important to understand the claim process under professional indemnity insurance for doctors.

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Claim Process under Professional Indemnity Insurance for Doctors

The indemnity insurance policy for doctor helps the insured or policyholder in providing appropriate support to eliminate or alleviate the loss. The claim process under professional indemnity insurance for doctors helps the medical professionals to perceive their rights and responsibility. Therefore, the claim process must be understood by every policyholder under the indemnity policy.

Let us discuss the claim process under professional indemnity insurance for doctors.

Step 1: Inform the designated claim handler at Policybazaar about the incident that occurred.

Step 2: The claim handler will provide you with a claim intimation format, which must be completed and submitted directly to them. The following details are required:

  • Policy Number
  • Name of the Insurance Company
  • Name of the Policyholder
  • Policyholder's Address
  • Date of the Incident
  • Brief Description of the Incident
  • Estimated Loss Amount
  • Address of the Incident Site
  • Name and Contact Information of the Person at the Incident Site

Step 3: Once you have submitted these details to the claim handler, they will forward them to the insurance company.

Step 4: Upon reviewing the submitted claim intimation format, the insurance company will register the claim and issue a claim reference number.

Step 5: Post creating the claim reference number, the insurance company may assign a surveyor to assess the incident's validity or provide a LOR for further processing of the claim.

Step 6: The insurance company will send you a claim form that needs to be filled out, signed, and stamped with your seal. The following documents are typically required:

KYC Documents Required

  • PAN Card
  • Aadhar Card
  • GST Registration Certificate
  • Address proof of the incident location:
  • Electricity Bill

Disclaimer: These are the basic documents required. However, if any additional requirements or an LOR are necessary, the insurer will inform the claim handler of policybazaar. Then the claim handler will assist you in collecting and submitting the additional documents to the insurance company.

Step 7: Whether a team of surveyors will be sent to the incident site for verification depends on the insurance company's discretion.

Step 8: If there is an ongoing court case related to the incident, all relevant details pertaining to the case must be shared with the insurance company.

Step 9: Upon conclusion of the court case and the judge's final verdict determining the compensation amount, the insurance company will pay the insured individual according to the terms and conditions of the policy.

Disclaimer: The coverage for lawyer's fees is subject to a predetermined percentage of the insured sum, as specified in the policy. For example, if the sum insured amount is Rs. 1,00,000 and the coverage for lawyer's fees is up to 25% of the sum insured, the insured individual will receive coverage for lawyer's fees up to Rs. 25,000 in accordance with the policy's terms and conditions.

Additionally, in certain cases, the insurance company may provide their own lawyer for the insured's service. However, if the insured individual has already engaged their own lawyer, the coverage will be provided according to the aforementioned condition.


Professional indemnity insurance for doctors is a crucial policy for medical professional. Therefore, they must subscribe to such policy. However, it is also critical to understand the claim process of such policies. The medical professional under the indemnity insurance must inform the insurance company about the claim. He must elucidate the cause of the claim, and submit the relevant document. He should further cooperate with the insurance company in case of any query.

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Policybazaar for Business - Professional Indemnity Insurance - Customer Reviews
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Based on 21 reviews
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Based on 21 reviews
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4.5 April 24, 2023
Helpful Purchase
Profesiona Indemnity Insurance has been a game-changer for my consultancy business. It has given me the confidence to take on new projects and expand my services, knowing that I have robust coverage in place.PolicyBazaar has been fantastic in answering my questions and tailoring the policy to my specific needs.Thanks PolicyBazaar.
3.5 April 12, 2023
Amazing Deals
I recently purchased Professional Indeminty Insurance from PolicyBazaar and the claims process is smooth, and has always been prompt in resolving any issues or concerns I've had. I appreciate the reliability and professionalism they exhibit.
3.8 March 31, 2023
Online Purchasing
Profesional Indemnity Insurance has been a lifesaver for my business. It offers comprehensive protection against any claims that may arise from errors or negligence on my part. The claims process was straightforward, and they handled everything efficiently. I highly value the peace of mind this insurance provides and would recommend it to any professional.
4.3 March 13, 2023
Impressive Features
I had an excellent experience while buying Personal Indemnity Insurance. It was quick and easy to get a quote online and the premiums were quite affordable. The policy covers all the essential aspects, and the customer service team was responsive and supportive. I feel much more confident in my work knowing that I have this coverage
3.8 March 01, 2023
Helped To Secure Confidential Data Of Company
As a Owner I had a high risk of loss of confidential data. Then my colleague suggested me go for PI Insurance at PolicyBazaar. So I visited their website and contacted the team. They answered all my queries, and when I got satisfied with the plan, I made a purchase. Thanks, PolicyBazaar.
4.3 February 17, 2023
Covers Legal Expenses
There was a party that made a claim against us for professional negligence by one of our employees. Thanks to PolicyBazaar which helped me protect our financial position and helped us during the claim process that covered our Legal expenses and Settlement cost. Highly Recommend this.
4.3 February 05, 2023
Covers The Risks
I bought Professional Indemnity Insurance from PolicyBazaar, as I was looking for insurance that could mitigate my risk associated with several professional services. Thanks to PolicyBazaar. It was worth buying. Highly Recommend it.
4.3 January 24, 2023
Helps Me To Focus On My Work
I was always concerned about my organization in order to safeguard against potential liabilities and unforeseen circumstances that could arise from professional negligence. So I bought PI Insurance at Policybazaar and found it good as it helped me to focus on my work without worrying about financial repercussions. So thanks to PolicyBazaar.
3.8 January 08, 2023
Amazing Deals
I bought Professional Indemnity Insurance from the PolicyBazaar website and found it suitable for my business. I run a small company. I got terrific Deals at PolicyBazaar. It was an excellent Purchase. Thankyou PolicyBazaar.
4.3 December 14, 2022
Doctor Vishal
Covers Professional Negligence
As a Doctor, I was searching for Professional Indemnity Insurance that could provide me coverage against claims for Negligence in my services. Then I visit PolicyBazaar Website. There I came across several benefits. So I made the purchase there. Thanks, PolicyBazaar.