Malpractice insurance is the coverage ranging problems caused by a medical malpractice. Medical malpractice is the basic definition for an act or omission by some health care provider which deviates from accepted standards of practice in the medical community and causes harm to the patient or even death.
Before getting coverage from malpractice insurance, would be good to know that the word malpractice has a connotation of greater culpability than negligence.
For example in the United States and elsewhere, a specific medical malpractice law has developed and companies make sure that malpractice insurance consumers know this law previously to the malpractice insurance signature.
In English law, the issue of liability is a subset of professional negligence where, under the Bolam Test, a doctor will be liable unless shown to have acted in accordance with a reasonable body of medical opinion.
In Australia, this test has been replaced but the principles are comparable. All this countries see malpractice insurance as a common thing.
However, wherever there is a medical malpractice, malpractice insurance will act but, for sure, some times it will be just not enough to “fix the mistake”. In very well known cases people have lost not only money but life.
All malpractice insurance claims will undergo thorough examination before any action against health care providers be taken due to the fragile situation of these types of coverage.
Malpractice Insurance Resources
Professional liability insurance, including malpractice insurance, offered to many types of business, individuals and institutions.
Professional liability insurance and malpractice insurance for health care professionals.
Insurance Information Institute
Medical malpractice information, tips, and related topics.
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