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Medical Malpractice Insurance

This article will walk you through what the term “medical malpractice” actually means, which lays a good foundation for understanding the purpose of medical malpractice insurance. Once that has been covered, it will move on to talk about what medical malpractice insurance does, how it does it, and why you should consider purchasing it.

Medical Malpractice

The best place to start is generally at the beginning, so let’s look at what constitutes medical malpractice. When you visit a doctor (or nurse, dentist, or other health care professional) you will expect a certain level of care and professionalism – and you’re not alone, we all would, and there are laws and regulations in place with the sole purpose of ensuring that these standards are met. If you want to find out more about patients’ rights and doctors’ requirements, I would recommend a visit to the General Medical Council’s website: http://www.gmc-uk.org where you can find lots of useful information on the subject.

Now, in the interest of keeping this article as brief and to-the-point as possible, medical malpractice is when you do not receive the level of care to which you are entitle, due to the negligence of one or several health care professionals working on your case. This may include their inability to successfully diagnose you, prescribe the correct treatment, or explain the possible side-effects of a certain treatment. Such negligence may lead to physical suffering, deterioration of your condition, the contraction of further ailments, psychological distress, loss of income, and so on, all of which entitles you to compensation.

Medical Malpractice Insurance

Now that we’ve covered what constitutes medical malpractice, let’s consider medical malpractice insurance.

What does it do?

Medical malpractice insurance is a way to guarantee swifter payment and a wider cover for medical malpractice; that is, should you be the subject of medical malpractice, having such an insurance policy will ensure that your case is reviewed thoroughly, and that you will receive the compensation you deserve. The insurer will be responsible not only for paying you damages (on top of what you can claim through legal action against the health care provider) but also the legal costs associated with the latter.

 

Do I need it?

This depends on your situation. Anyone who has been treated negligently by a healthcare professional and who has suffered unnecessarily as a consequence is entitled to compensation – and you do not need medical malpractice insurance in order to qualify for compensation. However, having medical malpractice insurance makes the claiming process easier, and you will be backed up by a powerful organisation with a lot of experience from similar cases. If you, for any reason, require medical attention more often than the average person, subscribing to a medical malpractice insurance is definitely a sound idea; unfortunately, medical malpractice is more common that one would like to think, and the higher the frequency of your hospital visits, the higher is the risk that you will be one of those unfortunate enough to suffer from negligence.