The Relationship between Doctor's Professional Insurance Products and Doctor Protection

The protection of the medical profession is mandated by the constitution and applicable laws regarding medicine. In the implementation of doctor protection, it is not balanced with patient protection, which will actually be a risk for the medical profession. Referring to Article 50 paragraph (1) of Law Number 29 of 2004 concerning Medical Practice that

Doctors or dentists in carrying out medical practice have the right to:

  1. obtain legal protection as long as they carry out their duties in accordance with professional standards and standard operating procedures;
  2. providing medical services according to professional standards and standard operating procedures;
  3. obtaining complete and honest information from the patient's family; and
  4. receiving service fees

The provisions of Article 50 paragraph (1) letter a of Law Number 29 of 2004 still create legal problems for the medical profession if as long as the doctor or dentist has carried out his duties according to professional standards and operational procedures but the patient suffers losses, he will still be punished if he is unable to prove his actions. The existence of this legal symptom itself means that doctor's professional insurance has a relationship in minimizing losses experienced by a doctor. The form of the legal relationship of doctor's professional insurance for a doctor's loss is;

  • As ordinary human beings, doctors have the potential to make mistakes or negligence in their work (malpractice), such as misdiagnosis or negligence in treating patients, even though they have been careful and always try to implement SOPs;
  • Doctor's mistakes and negligence can result in losses for patients, both financial, physical, mental, and even death
  • In general, users feel they have paid dearly for medical services, so they will feel disadvantaged if the results do not meet expectations, or when the disease gets worse, without an acceptable explanation
  • People are increasingly aware of the law, and know that the medical profession is not immune from legal claims