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Q-1 what are the coverage of medical malpractice policy?
A-1 Public right recovery & Private right recovery.
Q-2 what is public right recovery?
A-2 Public right is a governmental penalty which is imposed by either ministry of health or a court directly to the doctor.
Q-4 what is the premium of the insurance?
A-4 the premium depends on the profession of the doctor.
Q-3 what is private right recovery?
A-3 Private right is Legal Liability towards third parties (patients).
Q-5 what are the covered professions & the premiums?
A-5 the below mentioned specifies the covered professions & premiums.
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Class 1
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1
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Pathologist
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إخصائي الأمراض
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2
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Pharmacist
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الصيدلي
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3
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Path/Lab Technician
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طريق / تقني مختبرِ
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4
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Nurse
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الممرضة
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5
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Dietician
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أخصائي الحميات
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6
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Physiotherapist
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إخصّائي العلاج الطبيعي
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7
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Paramedic
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موظّف الإسعاف
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8
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X-Ray Technician
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تقني اشعة سينيةِ
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9
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Scanning
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المَسْح
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10
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Midwife
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القابلة
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Premium Table
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Indemnity Level
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option
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One Event claim (SR)
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Annual Aggregate (SR)
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Premium
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1
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100,000
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200,000
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625
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2
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500,000
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1,000,000
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700
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3
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1,000,000
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2,000,000
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850
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Class 2
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1
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Psychiatrist
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الطبيب النفساني
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2
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Radiologist
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أخصّائي الأشعّة
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3
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Pediatricians
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طبيب الأطفال
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4
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Neurologist
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طبيب الأعصاب
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5
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Dentist
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طبيب الأسنان
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6
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General Practitioner
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الممارس العام
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7
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Forensic Medicine
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الطبّ العدلي
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8
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Histo-Pathologist
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فحص الانسجة
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9
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Dermatologist
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الطبيب الأمراض الجلدية
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10
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Chest Specialist
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إختصاصي صدرِ
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11
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Gastro Entrologist
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طبيب باطنية (المعدة)
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Premium Table
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Indemnity Level
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option
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One Event claim (SR)
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Annual Aggregate (SR)
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Premium
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1
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100,000
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200,000
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700
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2
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500,000
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1,000,000
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850
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3
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1,000,000
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2,000,000
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1000
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Class 3
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1
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Surgeon All
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جرّاح كُلّ
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2
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Cardiologist
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طبيب القلب
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3
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Ophthalmologist
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4
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Obstetric/Gynecologist
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الولادي / طبيب نسائي
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5
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Ophthalmologist(Surgical)
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6
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Pediatric (Surgical)
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طبيب الأطفال (جراحي)
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7
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Anesthetist
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المُخدّر
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8
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Urologist
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خصّائي الأمراض البولية
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9
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Neuro Surgeon
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الجرّاح العصبي
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10
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Nephrologist
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طبيب الكِلى
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11
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Hematologist
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طبيب عِلم الدمّ
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12
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Oncologist
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طبيب الأورام
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13
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Orthopedic
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تجبيري
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Premium Table
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Indemnity Level
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option
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One Event claim (SR)
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Annual Aggregate (SR)
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Premium
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1
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100,000
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200,000
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1200
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2
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500,000
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1,000,000
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1400
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3
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1,000,000
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2,000,000
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1600
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Q-6 what are the geographical limits?
A-6 any claim occurred in the Kingdom Of Saudi Arabia.
Q-7 In case of an arising claim what are the procedures?
A-7 the doctor is required to inform the company within 30 days if a claim has occurred and not to negotiate with the third party any amount of settlement without any prior notice from the company.
Q-8 what the company will do after receiving the claim?
A-8 the company will provide the doctor with a guarantee letter.
Q-9 what happens if the government rejects the guarantee letter?
A-9 the company takes no responsibility when the guarantee letter is rejected but the doctor will be given an income support for three months which is in every month 75% of the previous salary.
Q-10 what are the procedures for cancellation of malpractice policy?
A-10 The insured doctor shall provide a written document to the company for the cancellation before 30 days.
Q-11 In case of any cancellation of the policy will the company return any amount?
A- 11 If the cancellation is before 6 months of expiry the company will return 50% of the premium and if the cancellation is after 6 months of the inception the company will return the premium on PRORATA (Premium counts on days) basis if there is no claim has occurred.
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