Medical Malpractice Liability Cover

The Solution 

All medical practitioners, without exception, including physiotherapists, homeopaths, nursing homes, elderly care facilities and other health care professionals, should have the protection of medical malpractice insurance. Patients, and their attorneys, have no compunction about holding medical care givers answerable; with this insurance, these professionals can limit their exposure thereto. Camargue provides Medical Malpractice insurance for establishments and Practitioners:

Medical Malpractice: Indemnifies the Insured for bodily injury or mental injury, illness, disease, or death of any patient or person caused or alleged by malpractice of the Insured

Public Liability: Indemnifies the Insured for bodily injury and/or damages to third-parties as a result of, or allegedly caused by, the Insured. Cover includes an extension for wrongful arrest, including assault in connection therewith and wrongful dismissal of an employee, however, this is subject to a specific sub-limit 

Products Liability: Indemnifies the Insured for injury and/or damages to any patients or third-party arising form the nature or condition of any product

Professional Indemnity: Indemnifies the Insured for any breach of professional duty, any breach of implied warranty of authority or of trust committed in good faith, defamation and/or injuria, infringement of copyright, and the destruction of, damage to, or loss of any documents entrusted to the Insured

Why you need it 

Given the nature of the procedures performed by medical professionals, and the multitude of scenarios where negligence or an accident may occur, it is essential that individuals working in the medical industry have insurance should anything go wrong as a result of their actual or perceived negligence or malpractice.

As South Africa becomes an increasingly more litigious society, so medical practitioners, and establishments performing medical procedures, will provide a more active source of litigation to the legal profession. This trend is compounded by the high earnings potential of such claims for lawyers. The result is that the number of medical malpractice claims, in excess of R5m, has rocketed by 900% over the past decade. The new Consumer Protection Act (CPA), which came into force on 01 April 2011, only further increases medical professionals’ exposure due to the stringent requirements of the Act, as well as heightened consumer awareness.

Medical practitioners are exposed to liability in two ways:

  1. Practitioners may be indirectly liable where an employee acting within the scope of their employment, negligently causes harm
  2. Direct liability occurs if the practitioner’s negligence causes a patient to suffer damages

Value-Added Services 

Camargue’s unique M3 approach to insurance is geared towards managing, mitigating and migrating critical business risks – an outcome achieved through the provision of value-added risk benefits to policyholders. Notwithstanding the coverage provided in terms of the policy, the additional risk management benefits further enhance the Camargue product offering and go beyond simple insurance.  The overall result is a well-rounded and complete solution to the risks faced by the medical industry.

Risk Management Services Included In Policy Cover:

Private Arbitration Service

Offered through TOKISO Dispute Settlement (Pty) Ltd, this service enables the insured professional access to a team of professional arbitrators in assisting with the settlement and amicable resolution of dispute

Camargue: redefining the boundaries of risk management, now and into the future.

What we cover 

Camargue’s Medical Establishments policy provides comprehensive cover in respect of:

  • Medical Malpractice
  • Public Liability
  • Products Liability
  • Professional Indemnity 

Cover for Medical Practitioners is provided under:

  • Medical Malpractice
  • Professional Indemnity  


PDF icon BrochurePDF icon Ambulance Emergency Services ProposalPDF icon Beauticians Proposal FormPDF icon Fitness Instructor Proposal FormPDF icon Hospitals Clinics General Proposal FormPDF icon Medical Practitioners Proposal FormPDF icon Miscellaneous Healthcare Proposal FormPDF icon Retirement Homes and Frail Care Proposal FormPDF icon EstablishmentsPDF icon Policy Wording