Medical and Dental Professional Indemnity Insurance

Yes. Most Indian policies include a “Qualified Assistant” or “Unqualified Staff” extension. If your nurse administers the wrong dosage under your supervision and a claim arises, the policy covers your vicarious liability.

This is the most important term for Indian doctors. It ensures that you are covered for incidents that happened in the past, provided you have been renewing your policy continuously without a break. If you switch insurers, ensure your new policy carries the “Retroactive Date” from your very first policy.

Yes. In India, many medico-legal cases are settled via mediation to save time and reputation. Most insurers will cover the settlement amount if they have given their prior written consent to the compromise.

Standard PI policies in India often exclude pure cosmesis (like Botox or hair transplants) unless specifically declared. If you are a dentist performing “Smile Design” or a dermatologist doing laser surgery, you must ensure your policy has a specific “Cosmetic Extension.”

1:1 means if your cover is ₹1 Crore, you can use the full amount for a single claim whereas1:2 means you can only use a maximum of ₹50 Lakhs for one claim, saving the rest for a second claim in the same year. For high-risk surgeons, a 1:1 ratio is highly recommended.

Yes. If you retire or stop practicing, a “Discovery Period” allows you to report claims for a few years after the policy ends, provided the treatment was given while the policy was active.

Generally, yes. Professional Indemnity follows the Doctor, not the building. As long as you are practicing within the “Territorial Limits” (usually India), your work at various clinics and hospitals is covered under one single policy.