Yes, the service delivery of healthcare is changing and complex from formal to informal, face to face to online services. This means that your medical indemnity insurance must address the myriad of exposures which can impact doctors to practice owners to corporate entities. One thing you can count on is that things will go wrong.
Are you sure that your medical indemnity insurance covers arrangements with owners, employers and employees? Tego offer medical indemnity insurance for Australian AHPRA registered practitioners, providing medical professional indemnity insurance to a range of specialist medical practitioners including GPs, orthopaedic surgeons, anaesthetists, obstetricians and physicians. We also provide entity medical indemnity insurance for medical practices also known as medical malpractice insurance.
If you are providing healthcare on the front-line or in an administrative capacity, you may be exposed to a patient complaint or claim. As healthcare services shift from doctors to multidisciplinary teams, so the risk can also spread beyond the doctor.
Responding to medical indemnity complaints
The legal responsibility to respond to a complaint or claim made by a patient or their family needs to be investigated and facts analysed. Here are a few determinants:
- The fault may be directed to only the doctor, so the doctor’s own medical indemnity insurance would result.
- Responsibility may be assessed to others in the practice, from nurses to administrative staff. If so, all relevant parties must be properly insured to respond to the complaint.
In Australia, there is an ever-increasing complexity for healthcare facilities and doctors, as you try to run a successful practice every day. That is why Tego has developed an all encompassing suite of general liability medical malpractice products that can work together, so your medical practitioners and your practice will run safer, easier, as well as, more efficient.
Tego to the rescue
Doctors’ individual medical indemnity insurance may not be enough. Do not assume it is. An experienced adviser who works in the medical space can provide medical practitioners and their practice professional advice on adequately insuring such risks which is imperative in this constantly changing healthcare environment.
Let your broker analyse your risks and offer expert advice. Tego offer medical indemnity insurance for medical practitioners underwritten by Berkshire Hathaway, a brand globally synonymous with trust and integrity. Tego also offers an entity medical malpractice policy underwritten by Lloyds to protect healthcare entities.
We have a profound understanding of the Australian medical profession and the ever-changing healthcare industry. It’s this expertise that allows us to provide leading cover with more choice, innovation and greater flexibility. Contact us to find out more.
This publication is general in nature and is not comprehensive or constitute legal or medical advice. You should seek legal, medical or other professional advice before relying on any content, and practice proper clinical decision making with regard to individual circumstances. Persons implementing any recommendations contained in this publication must exercise their own independent skill or judgment or seek appropriate professional advice relevant to their own particular practice. Compliance with any recommendations will not in any way guarantee discharge of the duty of care owed to patients and others coming into contact with the health professional or practice. Tego Insurance Pty Ltd is not responsible to you or anyone else for any loss suffered in connection with the use of this information.
Eric is the CEO of Tego, an insurance agency offering specialist indemnity insurance solutions for the healthcare and life sciences sectors. His qualifications include a bachelor’s degree in business and law, a master’s degree from UNSW in law and management and an MBA from the AGSM.