Factors to Consider While Selecting DPI Insurance

A doctor's professional indemnity insurance offers financial coverage in case of medical negligence on part of the doctor. For example, a doctor may make a mistake while performing his duty. Hence, in order to safeguard his financial position arising from legal costs due to negligence, he might need DPI insurance. The claim for such insurance can help cover the financial and reputational costs for a doctor. Therefore, the policyholder must give reasonable consideration before buying DPI insurance.

Read more
Get ₹10 Lac Cover starting at ₹873*

Get right expert advice

Hassle free policy

Speedy Claims

Spend Less Save More!! Check Our All-Speciality Rate Chart

Fast-track your search with instant quotes from top insurers

Get Customized Professional Indemnity Plans Instantly

Step 1/2

Get Customized Professional Indemnity Plans Instantly

You are -
secure-icon We don't spam
Get Updates on WhatsApp
View Plans

Get Customized Professional Indemnity Plans Instantly

Step 2/2
Fast-track your search with instant quotes from top insurers
Expert advice

Buy right

Instant policy

Quick & Hassle free

Dedicated team

Speedy Claims

Spend Less Save More!! Check Our All-Speciality Rate Chart

Let Us Discuss the Following Aspects Before Buying DPI Insurance.

  1. Coverage Recommendation

    The basic coverage for DPI insurance offered by insurance providers is generally similar. However, some insurers may provide some value-added benefits to enhance insurance coverage. So, while selecting the doctor’s professional indemnity insurance, a policyholder must choose the company offering more features and coverage benefits. For instance, in some cases, the insurer may provide legal support and also appoint lawyers in case of certain claims.

  2. Price or Premium of the Policy

    It is always recommended to weigh the price and benefits before buying an insurance policy. The low premium may typically cover fewer benefits and vice versa. Many insurers may offer additional benefits or features for a higher premium. So, while selecting DPI insurance, one should opt for maximum coverage offered at a lower cost.

  3. Documentation for DPI Insurance

    One should buy doctor professional indemnity insurance from a renowned insurer. For example, while buying DPI insurance, the insurance document has a list of terms and conditions attached. The document must state the speciality (for doctors) a policyholder holds and performs, the inclusion and exclusions of the policy, premium rates etc. If the DPI insurance is being purchased by a doctor for his team, the number of staff must be mentioned in the document. Typically, an insurance company will ask the policyholder about the workplace and the total number of staff he manages.

  4. Experience of the Insurer with the Settlement of DPI Insurance's Claim

    Before buying a doctor’s insurance of indemnity, the policyholder must check the insurance claim record of the insurer. In addition, it is equally important to check the process of settlement the insurer follows to provide the coverage in the least possible time. A policyholder should also enquire about the situations and circumstances the insurance company has handled in order to settle a similar claim. This will help the insured to understand the efficiency and expertise of the insurance provider.

  5. Can a Hospital Get Indemnified under DPI Insurance?

    It must be noted that if a doctor (policyholder) has purchased DPI insurance, the policyholder cannot impose liability on the insurer to provide coverage if a lawsuit has been filed against the hospital. On 18th Dec 2022, Justice DY Chandrachud passed an order and held that due to the negligence of a doctor, he could not impose joint and several liabilities on the insurer to indemnify the hospital. DPI is exclusively meant for a doctor who is insured under the policy.


DPI insurance is the most crucial policy a doctor should buy. In the medical profession, negligence and mistakes can occur while performing duties. Hence, one must purchase a doctor's professional indemnity insurance to avoid the repercussion he may face.

Written By: PolicyBazaar - Updated: 26 April 2024
Professional Indemnity Insurance Companies

Now help your friend get Business Insurance

Your referral is greatly appreciated!

Our team will reach out to your friend soon to help with their business insurance requirements.

Professional Indemnity Insurance Articles
Becoming a doctor in India is not just about prestige and earning respect. It also means taking on the important...Read more
31 Oct 2023 by Policybazaar 1907 Views
A doctor performs several risk-associated tasks. He needs to cure different kinds of diseases affecting patients...Read more
27 Apr 2023 by Policybazaar 3537 Views
Indemnity clauses are an essential component of contracts, helping to define the allocation of financial...Read more
25 Oct 2023 by Policybazaar 969 Views
Professionals such as lawyers, chartered accountants, doctors, engineers, etc. are susceptible to several kinds of...Read more
29 May 2023 by Policybazaar 2187 Views
Medical malpractice claims have been on the rise over the years. Several doctors have been sued on the grounds of...Read more
19 Apr 2023 by Policybazaar 970 Views
Choosing the right lawyer is crucial when dealing with the...Read more
03 Apr 2024 by Policybazaar 147 Views
The healthcare industry is a dynamic force constantly reshaping...Read more
29 Mar 2024 by Policybazaar 102 Views
In the complicated world of contracts, unforeseen circumstances...Read more
29 Mar 2024 by Policybazaar 196 Views
Financial planning for doctors requires a nuanced approach...Read more
29 Mar 2024 by Policybazaar 193 Views
Making mistakes is an inevitable part of any profession...Read more
19 Mar 2024 by Policybazaar 127 Views
Policybazaar for Business - Professional Indemnity Insurance - Customer Reviews
View all
Based on 21 reviews
out of 5
Based on 21 reviews
0 users
15 users
6 users
0 users
0 users
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.