Protect Your Practice with Medical Indemnity Insurance
EthiQal, leading professional medical indemnity provider to medical specialists
Ensure your peace of mind with our tailored medical malpractice insurance solutions designed specifically for medical professionals. Get the coverage you need to safeguard your career and reputation.
- Quick access to medico-legal advice
- Professional, affordable medical indemnity cover that protects doctors
- Comprehensive Policy
- Claims Made Policy
- Retroactive cover
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A solution for all your professional needs
At EthiQal, we pride ourselves in having revolutionised professional medical indemnity products in South Africa, by offering affordable, professional medical indemnity cover tailored to the requirements of our doctors. Our commitment is to provide peace of mind to doctors and their patients, while bringing stability to the medico-legal landscape.
What is professional medical indemnity?
Professional indemnity, also called Errors and Omissions Insurance or Malpractice Insurance, is designed to protect you against legal costs and claims for personal injury damages where you are accused of medical negligence. It can include the claimant’s costs and the medical practitioner’s defence costs which may arise out of an act, omission or alleged breach of professional duty during treatment of your patients.
What types of cover are available?
We offer two different policies – claims-made and comprehensive. Where practitioners are changing from other claims-made products, retroactive cover is also available.
Medicolegal advice is offered free-of-charge to all policyholders.
What is Medical Malpractice Insurance?
Medical malpractice insurance is a type of liability insurance that covers healthcare professionals against claims of negligence or mistakes that cause harm to patients.
This insurance is a critical component of risk management in the healthcare industry, helping protect both practitioners and patients.
Coverage
The insurance typically covers legal costs, settlements, and any damages awarded to patients who file lawsuits alleging that a healthcare provider made an error or failed to meet the standard of care, leading to injury or harm.
Types of Claims
These claims can arise from various situations, such as misdiagnosis, surgical errors, medication mistakes, or failure to provide appropriate treatment.
Importance
Medical malpractice insurance is crucial because even a single lawsuit can be financially devastating for a healthcare provider. This insurance helps protect their personal and professional assets.
Policy Types
Claims-Made Policy: Covers claims only if the policy is active both when the incident occurs and when the claim is filed.
Occurrence Policy: Covers claims for incidents that occurred during the policy period, regardless of when the claim is filed, even if the policy is no longer active.
Who needs it
It is required or strongly recommended for almost all practicing healthcare professionals, including physicians, surgeons, dentists, nurses, and therapists.
Why Choose EthiQal?
Affordable, Reliable Medical Indemnity Coverage
Our medical malpractice insurance offers comprehensive protection against allegations of wrongful practices and preventable errors. We understand the unique risks faced by healthcare providers and offer solutions that are both professional and affordable. Trust us to provide the coverage you need to focus on what you do best—caring for your patients.
Real Contracts for Real Cover
EthiQal provides comprehensive cover protected by South African laws and regulations.
Active Protection of Doctors
Through EthiQal’s collaborative approach and investment philosophy, doctors receive risk management support that helps them protect their life’s work.
Pioneers of Fair Dispute Resolution
EthiQal’s in-house clinical and legal teams are highly skilled and easily accessible where medico-legal support is needed.
Safeguard your Institution
We understand what is needed to protect your Institution, your employees and your patients. Let EthiQal safeguard your institution
About EthiQal
The professional medical indemnity provider keeping our doctors in practice
EthiQal, launched in November 2016, introduced South Africa’s first occurrence-based medical indemnity solution. We are dedicated to safeguarding our nation’s doctors, their practices, and patients, believing they are crucial national assets. By collaborating with healthcare practitioners, professional societies, legal experts, and government representatives, we aim to stabilize the medico-legal environment and ensure a secure future for the medical profession in South Africa, thereby advancing healthcare for all.
Benefits of being covered by ethiqal
- Non-discretionary cover
- Medico-legal services
- Counselling by qualified experts
- Practice management support
Get the cover you need
Providing medical indemnity cover for doctors specializing in the following fields but are not limited to:
- Anaesthesiologist
- Cardiologist
- Cardiothoracic Surgeon
- Cardiovascular Surgeon
- Dermatologist
- Endocrinologist
- ENT surgeon
- Gastroenterologist
- General Surgeon
- Gynaecologist
- Neurologist
- Neurosurgeon
- Obstetrician
- Oncologist
- Orthopaedic Surgeon
- Paediatrician
- Pathologist
- Plastic Surgeon
- Psychiatrist
- Radiologist
- Rheumatologist
- Urologist
Get covered by ethiqal
Request Your Personalized Quote Today
Don’t leave your practice unprotected. Fill out the form to receive a personalized quote for your medical malpractice insurance. Our team is ready to assist you in finding the best coverage to meet your needs.
