Medical Malpractice Insurance is a professional liability insurance policy that protects healthcare professionals and medical establishments against legal claims arising from alleged negligence, errors, omissions, or mistakes made while providing professional medical services, subject to the policy terms and conditions.

Medical Malpractice Insurance is suitable for doctors, dentists, surgeons, nurses, pharmacists, physiotherapists, medical laboratories, clinics, hospitals, diagnostic centres, and allied healthcare professionals.

Healthcare professionals and healthcare facilities in the UAE may be required by the relevant health authorities or licensing bodies to maintain Medical Malpractice Insurance as part of their licensing or regulatory requirements. The specific requirements depend on the emirate, healthcare authority, and professional licence.

Depending on the policy, Medical Malpractice Insurance may cover professional negligence claims, errors or omissions, legal defence costs, compensation awarded by the courts, patient injury arising from covered professional services, and settlement costs, subject to the policy terms. Coverage varies by insurer and policy wording.

Common exclusions may include intentional or fraudulent acts, criminal offences, services performed outside the insured professional scope, claims known before the policy commenced, contractual liabilities not covered by the policy, and fines or regulatory penalties. Always review the policy wording for a complete list of exclusions.

The policy can be arranged for individual healthcare professionals or healthcare organisations, including clinics, hospitals, medical centres, and diagnostic facilities. Coverage is based on the declared professions and medical services provided.

Medical Malpractice Insurance protects healthcare professionals against claims arising from professional medical negligence. Public Liability Insurance covers claims involving bodily injury or property damage suffered by third parties due to the business premises or general operations, rather than professional medical treatment.

Premiums are generally based on the medical specialty, professional qualifications, years of experience, claims history, annual revenue or turnover (for organisations), number of healthcare professionals, required indemnity limit, and scope of medical services. Higher-risk specialties generally attract higher premiums.

Insurers typically request your professional licence, medical specialty, CV or work experience, qualifications, claims history, annual revenue (for clinics or hospitals), number of medical staff, and required indemnity limit. Additional underwriting information may be requested depending on the risk.

Yes. Many Medical Malpractice Insurance policies include legal defence costs for covered claims, subject to the policy terms, conditions, and indemnity limits.

Some insurers extend Medical Malpractice Insurance to cover telemedicine or virtual consultations, provided these services are declared and comply with applicable regulations and policy terms. Businesses should confirm this before purchasing the policy.

If you receive a malpractice claim or become aware of a potential claim, notify your insurer immediately, do not admit liability or agree to any settlement without the insurer's consent, preserve all medical records and supporting documentation, and cooperate fully with the insurer and appointed legal representatives. Early notification is important, particularly for claims-made policies.

Yes. Medical Malpractice Insurance can be arranged for individual practitioners as well as clinics, hospitals, diagnostic centres, laboratories, and other healthcare facilities, depending on their operations and staffing.

A claims-made policy generally covers claims that are first made and reported during the policy period, subject to its terms and any retroactive date. An occurrence-based policy generally covers incidents that occur during the policy period, even if the claim is reported later, subject to the policy wording. The availability of these policy types depends on the insurer.

When comparing Medical Malpractice Insurance policies, consider the indemnity limit, covered medical specialties, legal defence costs, territorial limits, retroactive cover (if applicable), policy exclusions, claims handling experience, and the insurer's expertise in healthcare risks. Comparing multiple insurers helps healthcare professionals and medical organisations choose coverage that aligns with their practice and regulatory requirements.