Medical Malpractice Insurance

What Constitutes Medical Negligence?

The following typically constitute medical negligence in South Africa: To establish a claim of medical negligence in South Africa, it is generally necessary to provide expert medical opinion as evidence to demonstrate the breach of the duty of care. This expert opinion is typically provided by another qualified healthcare professional practising in the same field.…

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What Is A Gap In Cover And The Risks?

A “gap in cover” refers to a period of time when insurance coverage is not in effect (i.e. a period in which you are NOT COVERED). It means a break or interruption in the continuity of insurance protection. During this gap, the policyholder is without the benefits and safeguards provided by the insurance policy. Key…

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Understanding Prescription

What is a prescription period? Prescription is a legal principle that sets a time limit for bringing legal claims. It aims to promote legal certainty and prevent claims from being pursued indefinitely. Time Limits for Claims Different types of claims have specific time limits for prescription. It is essential to be aware of these time…

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Why do I need a professional indemnity policy?

As a professional, you provide advice, services, or expertise to your clients or customers. However, there is always a risk that your clients may suffer a financial loss, injury, or damage as a result of your professional services, which could lead to a claim or lawsuit against you. A professional indemnity policy provides you with…

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What to do when you receive a letter of complaint and/or summons?

If you receive a complaint or summons, it is important to take immediate action to protect your interests. Here are some steps to consider: Remember, the specific steps you need to take may depend on the circumstances of your case (including what your insurer’s policy wording states). It is important to consult with your insurance…

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What limit of indemnity do I need as a specialist medical professional?

The limit of indemnity you need as a specialist doctor in South Africa will depend on several factors, including: Medical malpractice insurance policies offer limits of indemnity ranging from R1 million to R50 million or more. However, it is important to note that higher limits of indemnity may be required for certain specialties or practices,…

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Common claims for surgeons

Surgeons are often subject to medical malpractice claims, which can be financially devastating for both the surgeon and their practice. Common claims for surgeons in the insurance industry include: It is important for surgeons to have comprehensive medical malpractice insurance coverage to protect against these and other potential claims. A qualified insurance broker can help…

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Why is having a local South African med-mal broker preferable?

Having a local South African medical malpractice broker can be preferable for several reasons: Overall, having a local South African medical malpractice broker can provide you with the local knowledge, personalized service, and accessibility that you need to find the right coverage for your medical practice. While a broker who is not a local broker…

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Is an Occurrence Based product better than a Claims made product?

Whether an occurrence-based product is better than a claims-made product depends on a variety of factors, including the nature of your business, your risk profile, and your budget. Occurrence-based policies provide coverage for incidents that occur during the policy period, regardless of when a claim is made. This means that if an incident occurs during…

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Why it is important to annually review your current Medical Malpractice Cover limits and scope of cover?

It is important to annually review your current medical malpractice insurance coverage limits and scope of cover for several reasons: Overall, an annual review of your medical malpractice insurance coverage can help ensure that you have the right coverage in place to protect your practice and your patients. It can also provide peace of mind…

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