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As a healthcare provider, your priority is patient care—but even the most skilled professionals can face allegations of malpractice, negligence, or errors in judgment. Medical Indemnity Insurance provides essential protection against such claims, helping you practice with peace of mind.
At Diverse health Insurance , we offer tailored indemnity insurance solutions for doctors, surgeons, dentists, therapists, nurses, and other allied healthcare providers.
Medical Indemnity Insurance (also known as Medical Malpractice Insurance) covers the legal costs, settlements, and compensations resulting from claims made by patients who suffer harm or injury due to alleged errors, omissions, or negligence in medical services provided.
It is mandatory in many regions and a critical layer of financial protection for any practicing healthcare professional or institution.
Legal Defense Costs
Expenses for lawyers, court proceedings, and expert witnesses during investigations or lawsuits.
Compensation Payouts
Covers settlements or court-awarded damages if the provider is found liable.
Claims of Negligence or Malpractice
Including surgical errors, misdiagnosis, delayed treatment, prescription errors, or consent issues.
Breach of Confidentiality
Covers accidental violations of patient privacy or data protection laws.
Good Samaritan Acts
Coverage for emergency care provided outside your regular practice (optional, based on policy).
Defamation and Libel Claims
Protection in case of patient allegations affecting your professional reputation.
We provide cover for a broad range of healthcare professionals, including:
General Practitioners (GPs)
Surgeons & Specialists
Dentists & Orthodontists
Psychologists, Therapists & Counselors
Nurses, Midwives & Paramedics
Radiologists & Pathologists
Physiotherapists & Chiropractors
Medical Clinics & Private Hospitals
✔ Tailored Coverage – Customized plans for your specific specialty and risk profile
✔ Affordable Premiums – Competitive rates with flexible payment options
✔ Expert Support – Experienced advisors and legal teams to guide you during claims
✔ Global & Local Cover Options – Ideal for professionals working abroad or across multiple jurisdictions
✔ Claims Assistance – End-to-end support from notification to settlement
Yes, in many countries and regions, it is a legal requirement for practicing healthcare professionals. It is also often required by licensing boards or professional associations.
Medical Indemnity covers claims arising from medical practice, whereas General Liability covers non-medical third-party injury or property damage (e.g., a patient slipping in your clinic).
Claims-Made: Only covers claims filed while the policy is active.
Occurrence-Based: Covers incidents that occurred during the policy period, regardless of when the claim is made.
We offer both types, depending on your needs.
That depends on your specialty, location, patient volume, and risk exposure. Our advisors will assess your practice and recommend appropriate coverage limits.
About Medical Indemnity Insurance
Medical Indemnity Insurance—also known as Medical Malpractice Insurance—protects healthcare professionals from financial losses arising from claims of negligence, misdiagnosis, errors, or omissions in the course of patient care. It covers legal fees, settlements, and compensations.
Any licensed medical professional or healthcare provider should have this coverage. This includes: Doctors and General Practitioners (GPs) Surgeons and Specialists Dentists and Orthodontists Nurses, Midwives, and Paramedics Therapists and Psychologists Clinics, Hospitals, and Health Facilities Alternative Medicine Practitioners (in some regions)
Yes. In many countries and jurisdictions, it is legally required to hold active medical indemnity insurance to practice medicine or provide clinical care. It may also be a prerequisite for: Hospital privileges Medical board certification Professional association membership
Yes—many modern policies include telehealth coverage, but you must disclose this at the time of application. Some insurers may offer specific telemedicine endorsements.
