The profession of a doctor is considered to be one of the most risky professions of all. Even though they have tons of information and experience behind their back, they can still be a touch careless at times. Considering the intensity of their profession, there is no denying the fact that they need to be extremely careful in their job and do justice to it. However, even being vigilant to all possible errors, they still tend to commit error. Because, lets face this, they are humans too.
Are doctors really at fault here?
The questions that arises here therefore is, should the doctors be heavily penalized for their errors on field? As there is not denial that they are held responsible and any error on their part should be compensated by them, people should realize that the doctors do not plan to harm you by any means. Infact, they are there for your service and wish to help you out in every way possible. In case, they have made some errors in judgments that has made them the patients suffer, you are liable for all the losses incurred by the patients. So, what should you do in such cases?
Why should doctor opt for professional indemnity insurance?
Sincerely speaking, doctors having ages of experience should not hold themselves back after any small error made on their end. Hence, it is advisable that doctors get a professional indemnity insurance under them. This would help them in saving themselves from a hefty financial loss and restore their profession. The professional indemnity insurance acts as a major relief for doctors as in case they make any such mistake due to negligence, they will not have to pay heavy financial costs in return. In addition to this, professional indemnity insurance helps to provide cover for legal costs too.
However, an important thing that doctors need to understand that the insurance will not cover all the costs or claims that have been inflicted upon the doctor. There are certain exemptions that the doctors need to keep in mind while they are at job. One of the primary things that doctors need to notice is that the insurance will only cover any act of negligence or carelessness on behalf of the doctor. Any act of deliberation or criminal misconduct will be of no concern to the insurance company and the doctors themselves will be responsible for any such act.
Similarly, there are certain conditions that must be fulfilled in order for the case to be in favor of the guilty doctor. Firstly, there should be no hidden agendas or intentional neglection on behalf of the doctor in charge. Secondly, any loss, damage, or injury that has affected the patient must be based on unintended mistakes or fault by the doctor. In addition to this, the doctor will not be held liable or found guilty of any charges if the injury or damage to the patient is duly caused by the misinterpretation or misjudgment of the hospital staff. Since doctor is not linked to it, he will not be accused of it.
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