Medical Malpractice

Healthcare professionals make decisions that affect lives. Even with the best care, a patient may bring a claim. Agisanang’s Medical Malpractice cover helps practitioners and practices manage the financial impact of professional liability claims, including legal defence costs, subject to the policy terms and conditions.

What the cover can include

• Professional liability: Claims arising from alleged negligence, error or omission in providing professional services.
• Legal defence costs: The cost of defending a covered claim, including legal representation.
• Practice liability: Cover for the practice as a business, where the policy includes it.
• Cover for staff: Employed practitioners and support staff, as the policy allows.
• Disciplinary hearing costs: Defence costs for professional body hearings, where included.
• Patient records and confidentiality: Claims relating to breach of patient confidentiality, where included.

Understanding how the policy responds

Medical malpractice policies work on one of two bases. We explain which applies to your policy before you buy.

• Claims-made: The policy responds to claims first made against you while the policy is in force, subject to the retroactive date.
• Occurrence-based: The policy responds to incidents that happen while the policy is in force, even if the claim comes later.

Limits, excesses, exclusions and retroactive dates apply.

What is typically not covered

• Deliberate or criminal acts, and acts under the influence of alcohol or drugs
• Services outside your registered scope of practice
• Claims arising from events before the retroactive date
• Fines and penalties, unless the policy states otherwise
• Practising without the registration the law requires

Exclusions vary by insurer. We go through them with you.

Who it’s for

General practitioners, specialists, dentists, physiotherapists, clinics, medical groups and other healthcare providers.

How it works

1. We discuss your specialty, practice setup, patient load and procedures.
2. We approach insurers experienced in healthcare liability.
3. We present options, explaining the policy basis and limits.
4. We issue the policy and keep your details current.
5. If a claim or incident arises, you notify us promptly and we guide you through the process.

What we need to quote

• Your qualifications, registration and specialty
• The services you provide and any high-risk procedures
• Practice details: solo, group, employed staff
• Claims and incident history
• The limit of indemnity you are considering

Questions you may have

If I leave the practice, am I still covered? For claims-made policies, ask about extended reporting or run-off cover before you leave.

Do I need cover if my employer has a policy? It depends on the employer’s cover and your role. Ask us to review it.

Should I report a possible claim before it is formal? Yes. Most policies require early notification of incidents that may lead to a claim.

Why choose Agisanang for medical malpractice cover

• We explain the policy basis: The difference between claims-made and occurrence cover matters, and we make it clear.
• Right-sized limits: We discuss your specialty, patient load and exposure before recommending a limit.
• Understanding of claims: We know how professional liability claims are assessed and defended.
• Support when a claim arises: We help you notify promptly and follow the process.

Your focus is your patients. Let us look after the paperwork.

Call to action: Contact Agisanang to discuss professional liability cover for your practice.

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