Unlike automated online platforms, we don’t leave you to handle difficult situations alone. We actively facilitate and guide you through complex claims from start to finish. Additionally, you gain access to our handpicked panel of insurer-approved lawyers who specialize exclusively in medico-legal defense, ensuring you have expert representation when it matters most.

Different occupations and experience levels require different coverage. Some high-risk occupations mandate minimum coverage (eg. RM 1,000,000 and above), while others offer a range of options (eg. RM 250,000, RM 500,000 and above). Let’s discuss your specific needs.

The insurance company calculates premiums based on coverage, duration, and your expertise in the field or the work involved.

Yes, tailored quotes are available. Let’s discuss a customized plan.

Yes, the insurance policy covers disputes related to previous work that arise during the policy period. However, if a dispute was known prior to purchasing the policy, it will not be covered.

Yes, but you risk liability for disputes during the non-covered period. Remember, patients have up to 6 years to challenge the treatment/services.

Yes and registration with Malaysia’s relevant regulatory body is necessary. You can find these requirements outlined on related websites.

Absolutely, premiums are based on coverage and the nature of your work.

The policy covers disputes arising from your work and extends across multiple establishments, as long as each establishment is registered.

Maintaining the policy for 6 years is advisable as patients have 6 years to challenge the treatment/services. If you have switched to an advisory roles or lecturing work, you can adjust your occupation.

Yes, it’s possible to include nurses, assistants, and other medical staff in the establishment policy to share coverage. However, it’s advisable for doctors to obtain their individual insurance as both the establishment and doctors can be jointly liable in certain cases.

It’s crucial to have your own insurance for a few important reasons. Sometimes, healthcare disputes take a long time to sort out. If you’re looking to switch to a new workplace during an ongoing dispute, your current employer might not allow you to use their insurance.

Also, it’s essential to check if the insurance covers everyone or just the establishment. If both the staff and the establishment need defense and have to compensate the patient at the same time, there might not be enough insurance money for everyone involved. In such cases, bosses often prioritize their own interests first.

Having personal insurance gives you your own protection, especially in tricky situations or when changing workplaces.

The insurance policy is typically renewed annually. However, if you start the policy midway through the year, the insurance company offers prorated premiums. This means that if you apply for insurance on a date like February 1st, your coverage will start from February 2nd of that year and continue until December 31st. Similarly, if you initiate the policy on July 1st, the coverage begins from July 2nd of that year and runs until December 31st of the following year, aligning with the APC renewal.

You can, but newly added coverage is usually excluded from immediate claims. Consider changes during renewal.

For larger establishments or multiple branches, separate coverage is advisable. For smaller clinics (sole practitioner), personal insurance might sufficient, but it’s your call.

Regrettably, our policy doesn’t offer coverage solely for locum work. The insurance is designed to cover disputes arising from all your professional activities, including your work in government establishments.

Being a government doctor with locum exposure is considered a single occupation under our policy. Although the government might cover your work within its establishments, distinguishing between your government and private work poses a challenge for the insurance company.

Moreover, the insurance company views this as a different risk due to factors like longer working hours and a higher number of patients. These conditions can escalate the likelihood of malpractice or disputes. Consequently, it becomes impractical to segregate the two types of work for insurance coverage.