New India Doctors Indemnity Insurance Policy

New India Doctors Indemnity Insurance Policy is a Professional Indemnity Insurance cover designed for registered medical practitioners. The policy protects doctors against legal liability arising from errors, omissions, negligence, or mistakes committed while rendering professional medical services. It also covers legal defense costs, subject to the policy terms and limit of indemnity. :contentReference[oaicite:0]{index=0}

Key Features

• Protection against Professional Negligence Claims.
• Covers Errors and Omissions in Medical Practice.
• Legal Defense Costs Covered.
• Retroactive Cover Available on Continuous Renewal.
• Individual and Group Policy Options.
• Suitable for Doctors, Surgeons and Medical Specialists.
• Worldwide Jurisdiction Extension (subject to policy terms).
• Affordable Premium Based on Specialty and Limit Chosen.

Who Can Be Covered?

• General Practitioners.
• Physicians.
• Surgeons.
• Cardiologists.
• Orthopedic Specialists.
• Gynecologists.
• Pathologists.
• Dentists.
• Other Registered Medical Practitioners.

Scope of Coverage

• Professional Negligence.
• Error in Diagnosis.
• Error in Treatment.
• Omission While Rendering Medical Services.
• Wrong Prescription Allegations.
• Civil Liability Claims from Patients.
• Legal Costs and Defense Expenses.

Limit of Indemnity Options

Legal Defence Costs

The policy reimburses legal costs, advocate fees and defense expenses incurred in defending a claim, provided such expenses are incurred with the prior consent of the insurance company and are within the overall limit of indemnity. :contentReference[oaicite:1]{index=1}

Retroactive Cover Benefit

Continuous renewal of the policy enables a retroactive benefit, allowing claims reported during the policy period that arise from professional services rendered after the retroactive date, subject to policy conditions. :contentReference[oaicite:2]{index=2}

Major Exclusions

• Criminal Acts or Fraud.
• Intentional or Wilful Misconduct.
• Liability Arising from Violation of Law.
• Contractual Liability Not Related to Professional Services.
• Fines and Penalties Imposed by Courts.
• Claims Known Before Policy Inception.

Benefits for Doctors

• Protects Professional Reputation.
• Provides Financial Security Against Litigation.
• Covers Expensive Legal Proceedings.
• Suitable for Independent Practitioners and Specialists.
• Helps Meet Professional Risk Management Requirements.

Why Choose New India Doctors Indemnity Insurance?

• Designed specifically for medical professionals.
• Covers civil liability arising from professional services.
• Includes legal defense expenses.
• Retroactive coverage advantage.
• Available from a trusted public sector insurer.

Disclaimer

The above information is for general reference only. Coverage, exclusions, indemnity limits, premium rates, and policy conditions are subject to the latest policy wording issued by New India Assurance.