Medical Malpractice Indemnity
OVERVIEW
THE NEED
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.
THE SOLUTION
All medical practitioners and establishments, 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:
- 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.
- Indemnifies the Insured for bodily injury and/or damages to third-parties as a result of, or allegedly caused by, the Insured.
- Indemnifies the Insured for injury and/or damages to any patients or third-party arising from the nature or condition of any product.
- 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.
THE 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
RISK MANAGEMENT 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 in a commercial environment.
Risk Management services included in the policy cover:
- Crisis Communication & Public Relations
Skilled support in managing public relations crises and avoiding online media disasters. - Cyber Vulnerability Scan (CVS)
A vulnerability scan is an inspection of the potential weaknesses in the security of a computer network. The CVS only requires the details of your externally facing internet protocol (“IP”) addresses, in order to examine for known vulnerabilities. Therefore it sees only what an outside intruder would see (like your locks, alarm and motion detectors) and tests the perimeter security – with no work required by you. - Legal Support
Contract vetting and assessment. - Private Arbitration Services
Offered through TOKISO Dispute Settlement – this service works towards the fast, equitable resolution of disputes between the insured and their clients. As far as possible court proceedings are avoided saving time, money and more importantly reputation. - Telephonic Services
Access to labour law advice.
An exclusive platform available to all Medical Malpractice Indemnity policyholders at no additional cost.
The resources available on the platform include relevant legislation, assessment forms and checklists, aging-related risk language, sample clinical policies and procedures for both skills nursing and assisted living levels of care and risk-reduction recommendations.
An exclusive platform available to all Medical Malpractice Indemnity policyholders at no additional cost.
The resources available on the platform include relevant legislation, assessment forms and checklists, aging-related risk language, sample clinical policies and procedures for both skills nursing and assisted living levels of care and risk-reduction recommendations.
DIVISIONAL CONTACTS
011 778 9143 / 082 798 3081 catherine@camargueum.co.za
011 778 9171 / 083 242 0499 gina@camargueum.co.za
011 778 9167 / 079 027 2416 keanu@camargueum.co.za
For general queries, please contact us at medmal@camargueum.co.za
IMPORTANT DOCUMENTS
Important Notice:
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THE NEXT STEP?
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