United India Professional Indemnity Insurance
United India Professional Indemnity Insurance is designed to protect registered medical practitioners against legal liabilities arising from errors, omissions, or negligence while providing professional medical services. The policy provides indemnity for claims involving bodily injury or death of a patient caused or alleged to have been caused by the insured doctor, qualified assistants, nurses, or technicians employed by the insured. Coverage is provided on a claims-made basis, subject to the policy period and retroactive date.
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- Wallet-friendly plans
- 24/7 claim support
- IRDAI-certified advisors
Features of United India Professional Indemnity Insurance
The key features of United India Professional Indemnity Insurance include:
- Claims-made policy: Covers claims first made and reported during the policy period.
- Retroactive cover: Claims are covered for acts occurring after the selected retroactive date, subject to continuous coverage.
- Defence cost coverage: Covers legal defence costs within the overall limit of indemnity.
- Flexible sum insured: The limit of indemnity can be selected based on the insured's requirements.
- Coverage for medical staff: Extends protection to qualified assistants, nurses, and technicians employed by the insured doctor.
United India Professional Indemnity Insurance: Inclusions
The policy provides coverage for liabilities arising from professional medical services, including:
- Professional Negligence: Covers claims arising from errors, omissions, or negligence while rendering professional medical services.
- Patient Injury or Death: Covers legal liability arising from bodily injury or death of a patient caused or alleged to have been caused during professional treatment.
- Coverage for Medical Staff: Extends protection for acts committed by qualified assistants, nurses, and technicians employed by the insured.
- Legal Defence Costs: Covers defence costs incurred in handling covered claims, subject to the selected limit of indemnity.
- Retroactive Coverage: Covers eligible claims arising from acts committed after the retroactive date specified in the policy schedule.
Disclaimer: This is not a complete list of inclusions. Please refer to the policy wording for complete coverage details.
United India Professional Indemnity Insurance: Exclusions
The policy does not cover:
- Criminal acts, violations of law, or professional services rendered while under the influence of intoxicants or narcotics.
- Cosmetic surgery and third-party public liability claims.
- Liability assumed under contractual agreements or arising from deliberate or wilful non-compliance with statutory provisions.
- Fines, penalties, punitive damages, loss of goodwill, or other purely financial losses.
- Claims arising from war, nuclear risks, radioactive contamination, or professional services rendered before the retroactive date.
Disclaimer: Please refer to the policy wording for the complete list of exclusions.
United India Professional Indemnity Insurance: Claim Process
In the event of a claim:
- Notify the policy issuing office immediately upon becoming aware of any event or occurrence that may give rise to a claim.
- Submit complete details of the incident along with all relevant supporting documents.
- Cooperate with the insurer during claim assessment and investigation.
- Claims are evaluated and settled in accordance with the policy terms, conditions, and selected limit of indemnity.
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Who can purchase United India Professional Indemnity Insurance for Doctors?
The policy is designed for registered medical practitioners and also extends coverage to qualified assistants, nurses, and technicians employed by the insured doctor while rendering professional services. -
What does the policy cover?
It covers legal liability arising from bodily injury or death of a patient caused by professional errors, omissions, or negligence, along with defence costs, subject to the policy terms. -
Does the policy provide retroactive coverage?
Yes. Claims arising from acts committed after the retroactive date specified in the policy schedule are covered, provided they are first made during the policy period. -
Are legal defence costs covered under the policy?
Yes. Defence costs are covered within the overall limit of indemnity selected under the policy. -
What should I do if an incident may result in a claim?
You should immediately notify the policy issuing office about any event or occurrence that may give rise to a claim under the policy.
- Individual
- Company
