Insurance Coverage Object for the Medical Profession

It can be seen that the object of insurance in an insurance policy is an important thing that will be promised through the policy. The policy itself is authentic proof of the rights and obligations that will be fulfilled by the insurer and the insured. The insurer can provide coverage if the insured has paid the premium on the policy based on the agreed agreement. The object of doctor's professional insurance coverage can include;

  • Compensating for physical/mental/death injury losses from third parties caused by malpractice by doctors or their employees;
  • Reimbursement of attorney or court fees, where legally the doctor is proven to be responsible to a third party (limited to civil cases)
  • Guaranteeing doctor's negligence while on duty outside the scope of daily practice due to urgent or emergency situations

 In the object of coverage in doctor's professional insurance is part of the principles of insurance, namely Indemnity and Proximate Cause. Principle Indemnity is a mechanism that requires the insurer to provide financial compensation (indemnity) in an effort to place the insured in the financial position he had just before the loss occurred.

Then, the principle Proximate Cause is that if the insured object experiences a disaster or accident, the first thing the insurance company must and will do is to find the main active and efficient cause that can drive a series of uninterrupted events that ultimately cause the accident. Professional insurance for the medical profession aims to provide compensation for losses incurred from actions taken as a doctor. The form of compensation is to pay compensation for losses suffered by third parties and restore the doctor's reputation in the eyes of the public.

Doctor's professional insurance products as an effort to defend and prove that the treatment is in accordance with applicable professional standards and procedures. However, the Medical Practice Law does not explicitly regulate professional insurance as an effort to defend and provide legal protection for a doctor. Indeed, some cases experienced by the medical profession have actually been carried out in accordance with applicable standards and procedures but are still said to have committed malpractice, causing harm to patients. The vulnerability of criminalizing a doctor is able to give birth to professional insurance products as a legal effort and restore his good name in the eyes of the public.

Conclusion

Professional insurance products in the medical profession are a legal defense for medical actions that have been taken against patients even though losses arise. Professional insurance products for the medical profession are a legal protection measure while carrying out their profession in the event of vulnerability to criminalization of the medical profession. Insurance as a form of reducing the burden of losses for the insured does not only prioritize financial loss management but also as an effort to defend in the eyes of the law. Therefore, professional insurance products are a legal implementation due to the increasing legal problems that occur in society.

For those of you who want to know more about the rights and obligations of doctors in medical practice, read the following article on Legal Literacy: "Rights and Obligations of Doctors in Medical Practice".

Hope this article is useful!