Presented by : SKEETER MUNUBI. PROFESSIONAL INDEMNITY FOR CLINICAL - - PowerPoint PPT Presentation

Presented by : SKEETER MUNUBI.

PROFESSIONAL INDEMNITY FOR CLINICAL OFFICERS.

• DEFN:

PROFESSIONAL INDEMNITY IS A POLICY THAT PROVIDE FINANCIAL PROTECTION TO A PROFESSIONAL INCASE SUED BY CLIENT CITING MALPRACTISE OR NEGLIGENCE.

THE COVER IS DIVIDED INTO 3 PARTS:

1. Cost of hiring a lawyer.

• 2. Court fees.
• 3. Court awards.

• Mi

Misdiagnosis. sdiagnosis.

• Adv

Adverse erse ef effe fect ct on dr

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ugs Pr Pres escribed. cribed.

• Whe

here a re a me medic dical al pr proc

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edure goes goes wr wrong

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• As

Asso sociation e.g. ciation e.g. in in the theat atre re.

• Bre

Breach ach of

• f co

confide nfidentiality ntiality

HOW CLAIM CAN ARISE.

SIX MAJOR CATEGORIES OF NEGLIGENCE THAT RESULT TO LAWSUITS.

• Failure to follow standards of care.
• Failure to use equipment in a responsible manner.
• Failure to communicate e.g. discharge instructions,

prescriptions etc.

• Failure to document.ie patients progress, Injuries,

physician medical orders etc.

• Failure to assess and monitor.ie plan of care, shift

assessment, interpret patients signs n symptoms etc.

• Failure to act as a patients advocate.eg providing

safe environment, medical orders etc.

EXCLUSIONS

• Criminal act committed in violation of

the law.

• Service render while under the

influence of intoxicants.

• Surgery done outside Medical

Environment.

• Cosmetic surgery.
• Euthanasia.
• Use of drug for weight reduction
• Third party public liability.
• Abortion unless permitted by a

trained health provider.

WHAT TO DO WHEN A CLAIM ARISE

• Report the claim by calling or

visiting our nearest office.

• Fill the claim form.
• Our Team of Legal Experts will pick

from there.

1. 1.FACTORS THAT CONTRIBUTE’ S

• Int

Intrusi rusive ve media. media.

• Litigious

Litigious society. society.

• Inf

Inform

• rmation

ation.

• -

New patients charter.

• Right to refuse treatment
• Right to informed consent on treatment.
• Right to second medical opinion.
• Right to complain
• Right to donate organ upon death.
• Right to confidentiality.

REMEDIE IES 4 BREACH OF MEDIC ICAL CONFID IDENTIA IALTY

• 1. Injunction to stop publication
• 2. Damages maybe recoverable incase of

economic loss e.g. lost job.

• 3. Damages in negligent action incase of

physical injury furniss v fitchett (1958) divorce

WHY TAKE UP AN XPLICO INDEMNITY COVER.

• Specifically designed with the CLINICAL

OFFICER in mind.

• Xplico has a dedicated team of

litigation specialist.

• Budgeting for insurance is easier than

for court cases.

BENEFITS FOR CO’S AND DOCTORS

• Professional indemnity Cover of

Ksh 2,500,000 to Ksh 20,000,000

• FREE personal accident rider to

the tune of Kshs. 500,000

• 50,000/= funeral cash for any

member’s death.

PREMIUMS FOR CLINICAL OFFICERS.

CATEGORY LIMIT OF INDEMNITY ANNUAL PREMIUMS (Kshs) MONTHLY INSTALLMENT Platinum Extra 20,000,000 35,200 2934 Platinum Plus 15,000,000 25,700 2142 Platinum 10,000,000 17,150 1429 Gold 5,000,000 12,100 1008 Silver 2,500,000 9,600 800

PROTECT YOUR PROFESSION,

PROTECT YOUR LIFE.

THANK YOU