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Medical Malpractice Insurance

Have you been the victim of medical malpractice, at home or abroad? Then you may be entitled to claim against these damages and secure monetary compensation while you are at it. This is made a great deal easier if you have medical malpractice insurance cover, which is provided by a large number of insurers in the UK. But what exactly is medical malpractice insurance and how will it protect you against any incompetencies caused by your health care provider?

Medical malpractice insurance is a premium paid by you that ensures you are covered if you become the victim of medical malpractice. From a medical practitioner's standpoint, this negligence would arise when they fail to diagnose or treat a condition that may cause the patient more harm, discomfort or inconvenience or an error in treatments administered to the patient was found. This form of medical insurance could also seen as a hybrid of public liability insurance and medical professional indemnity as it provides an indemnity for civil claims that arise out of an alleged act of negligence. Generally, a professional indemnity policy will not respond to claims for bodily injury, and a public liability policy will not respond to claims arising from advice or guidance from a healthcare practitioner. Medical malpractice insurance acts as a bridge between the two forms of cover.

What sort of company would offer medical malpractice insurance?

There are numerous companies in the UK, which offer this form of insurance alongside other insurance products. These companies are often specialised in the healthcare industry, which helps them understand more about the procedures associated with such insurance claims. They also have years of experience working with similar claims to yours, which helps you to get a competitive rate, but also a good level of cover on the policy.

How do you apply for medical malpractice insurance?

Applying for medical malpractice insurance is usually an easy affair, which involves finding an insurer and sending asking them for a quote. At this point they will try and find out what your personal circumstances, medical history and sometimes your parents medical history has been like in order to give you a quote on the insurance. This is sometimes a lengthy process, because the insurer is required to have all the outstanding details, which helps to give a more accurate quote, but also protects you from any problems arising during a claim if you did not mention something required by the insurer.

How will medical malpractice insurance help me?

If you are someone that regularly requires surgical or medical help and care, then you may be a suitable candidate for applying for medical malpractice insurance. Because every time you put your health in the hands of another person, they have a duty to keep your health at the top of their priorities. If you receive a poor level of care and suffer as a result then you will be covered by the insurance, which will help you cover the cost of legal fees and other such problems should they arise. You may also be able to claim for a large financial payout if the healthcare provider was found to be acting negligently.

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