{"id":1128,"date":"2021-03-04T18:21:27","date_gmt":"2021-03-04T18:21:27","guid":{"rendered":"https:\/\/www.indwe.co.za\/indwe-blog\/?p=1128"},"modified":"2021-04-14T07:20:42","modified_gmt":"2021-04-14T07:20:42","slug":"indwe-advice-series-the-indwe-touch","status":"publish","type":"post","link":"https:\/\/www.indwe.co.za\/indwe-blog\/indwe-advice-series-the-indwe-touch\/","title":{"rendered":"Medical Malpractice Insurance: All You Need To Know"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The nature of the medical profession, combined with the myriad scenarios where negligence or malpractice may occur, means that medical malpractice insurance is essential should anything go wrong in the emergency room or practice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What is medical malpractice insurance?<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Medical malpractice&nbsp;insurance, or professional indemnity insurance, provides cover for healthcare professions and facilities when a doctor&nbsp;or other&nbsp;healthcare professional, through a negligent act or omission, causes an injury,&nbsp;death, pain, suffering or disability to a patient. Negligence&nbsp;may be the result of errors in diagnosis, treatment, post-procedure care or&nbsp;health&nbsp;management.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Medical malpractice in the South African context<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With South Africa becoming an increasingly litigious society, the risk exposure of medical professionals to malpractice is higher than ever before. According to the <a href=\"https:\/\/www.medicalprotection.org\/docs\/default-source\/pdfs\/casebook-pdfs\/south-africa-casebook-pdfs\/sa-casebook-1-july-2017.pdf?sfvrsn=6\"><u>Medical Protection Casebook<\/u><\/a>, medical malpractice complaints to the HPCSA rose by 100% between 2006 and 2016. This has largely been driven by legal practitioners who act on a contingency basis and share in the proceeds of any recovery made. This, together with the fact that there is limited competition within the medical malpractice insurance space, has caused premiums to skyrocket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Top medical malpractice causes<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Increased patient awareness<\/li><li>A decline in the standard of healthcare<\/li><li>Wrongful life claims \u2013 where parents of a disabled child, sue a medical practitioner on behalf of their child for damages incurred at birth<\/li><li>Wrongful birth claims \u2013 where parents sue a medical practitioner for damages due to the failure of the medical practitioner to properly diagnose defects or advise the parents of the potential birth defects of a child, resulting in the birth of an unwanted, disabled child<\/li><li>Cerebral palsy, down syndrome and birth defect claims<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Types of medical malpractice cover:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>A <strong>claims-<\/strong><strong>made<\/strong><strong>&nbsp;policy<\/strong>&nbsp;is an insurance policy that covers an insured person for claims made and notified on active policies, regardless of when the claim event occurred, provided the event arose after the retroactive date contained in the schedule.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;An <strong>occurrence<\/strong><strong>&nbsp;policy<\/strong>&nbsp;covers&nbsp;claims made for injuries sustained during the life of an insurance policy, even if they&#8217;re filed after the policy is cancelled. They cater specifically to events that may cause injury of damage years after they occur, such as exposure to hazardous chemicals.<strong>&nbsp;<\/strong><strong>&nbsp;<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Indwe offers<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Indwe has partnered with MC de Villiers Brokers (FSP no. 7241) to offer a market-leading medical malpractice solution&nbsp;for our clients in the medical industry.&nbsp;Our&nbsp;partnership enables us to provide best-value medical malpractice advice and&nbsp;ensures&nbsp;that our clients enjoy market-related cover with competitive premiums. When it comes to claims, we ensure that they are managed swiftly and notification of claims are lodged with the insurer immediately. This gives the policyholder total peace of mind throughout the claims management process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The nature of the medical profession, combined with the myriad scenarios where negligence or malpractice may occur, means that medical malpractice insurance is essential should anything go wrong in the emergency room or practice. What is medical malpractice insurance? Medical malpractice&nbsp;insurance, or professional indemnity insurance, provides cover for healthcare professions and facilities when a doctor&nbsp;or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1134,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Medical Malpractice Insurance: All You Need To Know -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indwe.co.za\/indwe-blog\/indwe-advice-series-the-indwe-touch\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medical Malpractice Insurance: All You Need To Know -\" \/>\n<meta property=\"og:description\" content=\"The nature of the medical profession, combined with the myriad scenarios where negligence or malpractice may occur, means that medical malpractice insurance is essential should anything go wrong in the emergency room or practice. 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