Legal Literacy - Doctor's professional insurance is becoming increasingly important in the modern era due to the increasing risk of malpractice and lawsuits. This article discusses the importance of doctor's professional insurance, the object of insurance, and its benefits in protecting doctors and their reputations.

The Importance of Doctor's Professional Insurance in the Modern Era

Insurance products are increasingly experiencing an increase in fulfilling the needs of human life. This increase is due to the increasing number of legal problems arising from human actions. Today, insurance is able to provide protection for the medical profession which has a high level of risk if it cannot be overcome. The impact of this risk comes from negligence or intentional acts by the medical profession that cause losses or even death to the patients they treat.

Referring to Law Number 36 of 2009 concerning medicine through Article 27 paragraph (1) that “Health workers have the right to receive remuneration and legal protection in carrying out their duties in accordance with their profession”. The form of legal protection in carrying out duties in accordance with their profession can also be in the form of doctor's professional insurance. Insurance according to Law Number 40 of 2014 concerning insurance that

  1. Insurance is an agreement between two parties, namely the insurance company and the policyholder, which is the basis for the receipt of premiums by the insurance company as compensation for:
  2. providing compensation to the insured or policyholder for losses, damages, costs incurred, loss of profits, or legal liability to third parties that may be suffered by the insured or policyholder due to the occurrence of an uncertain event; or
  3. providing payments based on the death of the insured or payments based on the life of the insured with benefits whose amount has been determined and/or based on the results of fund management

In insurance products, there is also the insured's responsibility to third parties that may be caused by the insured. In the medical world, before serious treatment such as surgery is carried out, there is a therapeutic agreement. The therapeutic agreement itself only protects the interests of the patient and limits the actions of doctors that have fatal consequences. However, if the patient suffers losses as a result of surgical actions by the doctor, it is highly likely that the patient or the patient's family will take legal action for the losses they have suffered.