Medical and dental malpractice insurance covers claims made against your organisation during the policy period or after - if notified to us during the policy period. Your organisation should notify Healthcare Protection as soon as reasonably practicable after you first become aware of a claim or investigation made against the organisation, or a circumstance that may give rise to a claim, in accordance with the terms and conditions of the policy.
If your organisation’s existing clinical malpractice cover is provided on a claims-made basis and you wish to move to Healthcare Protection’s medical malpractice insurance, consider taking out our retroactive cover. This would allow you to report adverse incidents that occurred prior to the start of your Healthcare Protection policy, but which you have no knowledge of at the time of applying, or claims arising from them, but which you have only just become aware of.
The highest limit for any one year is HKD 100M maximum.
Your organisation can choose from the following excess options HKD 0,25K, 50K, 75K, 100K.
Yes, Healthcare Protection protects your organisation from claims of clinical negligence against it, in the delivery of healthcare treatment, advice and services.
Employers’ liability insurance provides protection should an employee be injured or become unwell whilst in your employment and seek compensation. Healthcare Protection does not provide this type of insurance.
Your organisation has to notify Healthcare Protection of any material changes to its business. A change is material if it would influence Healthcare Protection’s judgement of whether to offer insurance to your organisation and, if so, on what terms and for what price. If you have any doubts or questions please contact us for further information.
There is no charge for amending your policy.
Yes. To make amends to your policy contact your client manager.
Yes it can, subject to our acceptance. Depending on the changes, there will potentially be an additional premium to pay.
No, however we will contact your organisation well before the policy ends to discuss renewal.
If within the first 30 days after taking out the policy you decide to cancel, Healthcare Protection will refund any premium levy paid in full, and treat the policy as if it never existed as long as no claims have been made.
If the policy is cancelled at any time after the first 30 days, your organisation will need to write to or email Healthcare Protection with an instruction to cancel giving 30 days’ notice. If there are no reported claims or circumstances Healthcare Protection will provide a refund for the remaining period (including IA levy). If you pay your premium quarterly and ask us to cancel your Policy after the first 30 days and Claims or Circumstances have been notified to us during the Policy Period, all remaining premium becomes payable on the date you give notice to cancel. All premium must be paid in full prior to the cancellation date.
You can write to us at:
MPSUW Limited, 5/F, Sun House, 181 Des Voeux Road Central, Hong Kong
For more information about Healthcare Protection’s medical malpractice insurance please contact us.
This could differ according to the policy you have with us. Therefore you must always check your policy wording carefully to ensure you understand what is covered and what is not to ensure the policy meets your expectations. If you are unclear as to whether or not something is included or excluded in your policy, please do not hesitate to contact your Healthcare Protection client manager.
If your organisation is leaving another provider to join Healthcare Protection then retroactive cover is available to select on your new policy.
An Insurance Authority (IA) levy is charged at 0.1% (maximum $5,000) and is included in the price of the policy. This levy is not recoverable or taxable.