United India Professional Indemnity Insurance

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.