Presented by : SKEETER MUNUBI.
PROFESSIONAL INDEMNITY FOR CLINICAL OFFICERS. • DEFN: PROFESSIONAL INDEMNITY IS A POLICY THAT PROVIDE FINANCIAL PROTECTION TO A PROFESSIONAL INCASE SUED BY CLIENT CITING MALPRACTISE OR NEGLIGENCE.
THE COVER IS DIVIDED INTO 3 PARTS: 1. Cost of hiring a lawyer. 2. Court fees. 3. Court awards.
HOW CLAIM CAN ARISE. Mi Misdiagnosis. sdiagnosis. - - Adverse Adv erse ef effe fect ct on dr on drugs ugs Pr Pres escribed. cribed. - Whe here a re a me medic dical al pr proc ocedure edure goes goes wrong wr ong. - As Asso sociation e.g. ciation e.g. in in the theat atre re. - Bre Breach ach of of co confide nfidentiality ntiality
SIX MAJOR CATEGORIES OF NEGLIGENCE THAT RESULT TO LAWSUITS . • Failure to follow standards of care. Failure to use equipment in a responsible manner. • • Failure to communicate e.g. discharge instructions, prescriptions etc. Failure to document.ie patients progress, Injuries, • physician medical orders etc. Failure to assess and monitor.ie plan of care, shift • assessment, interpret patients signs n symptoms etc. Failure to act as a patients advocate.eg providing • safe environment, medical orders etc.
EXCLUSIONS • Criminal act committed in violation of the law. • Service render while under the influence of intoxicants. • Surgery done outside Medical Environment. • Cosmetic surgery. • Euthanasia. • Use of drug for weight reduction • Third party public liability. • Abortion unless permitted by a trained health provider.
WHAT TO DO WHEN A CLAIM ARISE • Report the claim by calling or visiting our nearest office. • Fill the claim form. • Our Team of Legal Experts will pick from there.
1. 1. FACTORS THAT CONTRIBUTE’ S - Int Intrusi rusive ve media. media. - Litigious Litigious society. society. - Inf Inform ormation ation. - -
New patients charter. • Right to refuse treatment • Right to informed consent on treatment. • Right to second medical opinion. • Right to complain • Right to donate organ upon death. • Right to confidentiality.
REMEDIE IES 4 BREACH OF MEDIC ICAL CONFID IDENTIA IALTY 1. Injunction to stop publication 2. Damages maybe recoverable incase of economic loss e.g. lost job. 3. Damages in negligent action incase of physical injury furniss v fitchett (1958) divorce
WHY TAKE UP AN XPLICO INDEMNITY COVER. - Specifically designed with the CLINICAL OFFICER in mind. - Xplico has a dedicated team of litigation specialist. - Budgeting for insurance is easier than for court cases.
BENEFITS FOR CO’S AND DOCTORS - Professional indemnity Cover of Ksh 2,500,000 to Ksh 20,000,000 - FREE personal accident rider to the tune of Kshs. 500,000 - 50,000/= funeral cash for any member’s death.
PREMIUMS FOR CLINICAL OFFICERS. CATEGORY LIMIT OF ANNUAL MONTHLY INDEMNITY PREMIUMS INSTALLMENT (Kshs) Platinum Extra 20,000,000 35,200 2934 Platinum Plus 15,000,000 25,700 2142 Platinum 10,000,000 17,150 1429 Gold 5,000,000 12,100 1008 Silver 2,500,000 9,600 800
PROTECT YOUR PROFESSION, PROTECT YOUR LIFE .
THANK YOU
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