Home | MPPS Medical Professional Protection Scheme

MPPS, the Medical Professional
Protection Scheme, was founded in 2004 to provide medical professional liability insurance.

Asia Insurance, an reputable worldwide insurance group based in Hong Kong is the underwriter of the scheme and FWD is the sole agency to provide this service.

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Important notice pertaining to Medical Malpractice
related Criminal Allegations

For MPPS Certificate holders of Master Contract for HKPDA/GDA

A criminal prosecution with a charge falling within the description “alleging medical malpractice caused by act, error or omission committed by the Insured” will fulfill the notion of a claim described under the Insuring Clause A1.

Pursuant to Insuring Clause A2, the insurer will pay Legal Expenses incurred (with the Company’s consent) in:
defending and/or investigating the claim (after commencement of criminal proceedings);
in Coroner’s Inquest; and
in disciplinary hearings.
There is no sub-limit in the Legal Expenses covered, subject to available limit of indemnity.
However, there is a related exclusion in the policy. Exclusion 3;

“This Insurance shall not indemnify the Insured in respect of any claim against them…brought about or contributed to by the dishonest, fraudulent, criminal or malicious act of the Insured”.

If the Insured is convicted, the insurer will be entitled to recover from the Insured the legal costs paid by the insurer. Any Legal Costs incurred by the Insured at dates subsequent to the criminal conviction will also not be covered under the policy.

For MPPS Private Practice Individual Holders

The insured enjoys the same protection Except that there is a sub-limit for criminal related expenses.

Statistics

MORE THAN 17 YEARS PROTECTING HONG KONG DOCTORS

HK$4,105 AVERAGE COST PER YEAR FOR PUBLIC DOCTORS

UP TO HK$100MILLION FOR PRIVATE DOCTORS’ COVERAGE

UP TO HK$20MILLION FOR PUBLIC DOCTORS’ COVERAGE

How MPPS give you a better protection

#1 Regulated By Insurance Companies

Unlike a limited company/association, MPPS insurer has the protection of an insurance policy governed by The Office of the Commissioner of Insurance (OCI). OCI authorises and monitors Asia Insurance for compliance with capital and solvency requirements.
Asia Insurance holds an ‘A’ in both Standard & Poor’s Insurer Financial Strength Ratings and Issuer Credit Ratings. We ensure our financial strength rating and counterparty credit rating is at regulatory standard at all times, so you are well protected by us.

#2 Know Your Protection from Day One

Our policy provision clearly lays out your protection conditions at the start of your enrollment. Explaining which coverage is provided, the amounts, exclusions and other restrictions.

No claim will be based on discretionary judgement.

All of your claims are paid in accordance to the terms and conditions stipulated in the policy provisions at the start of your enrollment.

#3 Competitive Annual Premium Rate

Our rate is better than our competitors. Our insurance pool only covers Hong Kong regional doctors. You are not charged for the wrongs of unrelated doctors in other countries, which results in a lower insurance premium and drives down the insurance risk.

#4 Claim-Based Insurance Protection

While your insurance is in place, you are fully covered when the incident occurs and when the claim is made.* This in accordance with most commercial liability insurance companies.

*Claims made in US and Canada not included

#5 Full Medical Negligence Protection

We cover all medical negligence expenses, not just Good Samaritan Act negligence. All legal advice and representation is also covered by us. You are protected for up to HK$20 million per year in accordance with your individualized plan.

What Clients Say

Testimonials from our current customers

“Thanks to MPPS’s confidence with me I have felt confident working in my public practice here in Hong Kong. I really appreciate this company’s service and insurance company backing. I have decided to stick with MPPS now as I transition into a private practice.”

“I wanted to be protected when I was in my training to become a doctor. With their outstanding price and customer service I have continued to use MPPS now that I’m no longer in housemanship. “

“I had been using another service and the memberships fees were increasing each year because of all the claims from other countries. Since switching to MPPS, I’ve saved money and know I’m supporting practicing doctors here in Hong Kong.”

“Excellent assistance and personalized help throughout the years while working in public and private health. Thanks for insuring me MPPS no matter where I’m working!”

Important notice pertaining to Medical Malpractice related Criminal Allegations