It is not unusual to experience a medical negligence claim in your professional medical practitioner career. Every doctor owes a duty of care to the patient and the patient must prove on a balance of probabilities that there has been:
- A Duty of Care: You owe the claimant a duty of care
- A Breach of Duty: Your standard of care fell below the reasonable expectations and would be recognized to be deficient by a responsible body of opinion within the relevant specialty; and/or
- A Causation: You made a breach of duty that has contributed to some injury, damage or loss to the patient
We provide full professional legal assistance, covering the cost of your representation and indemnity for your medical negligence claims. All of these legal costs are fully covered by MPPS. Moreover, all indemnity payable to patients as a result of damage from medical negligence and even negligence from good Samaritan acts, are fully covered.
If you ever receive a medical negligence claim under coverage, please notify our team immediately and we will work with you. Use our advice line 3606 9330, or email Ms. Terry Tai, firstname.lastname@example.org.
How to Make a Claim
Procedures are the same for government doctors, private doctors and housemen. We are here to help our Hong Kong medical professionals so you can take care of your patients. Should you need to make a claim or would like to enquire about a situation, follow the steps listed below.
- Contact our Immediate Help Hotline at +852 3606 9330
- Fill out the claim form and submit it to Asia Insurance
- A representative from Asia Insurance will follow up with you
- Asia Insurance will review each claim internally. Evaluations will be made for each individual situation, as long as your incident is under the coverage period
- Doctor will be contacted with the final evaluation from Asia Insurance
Benefits Provided by MPPS
- Disciplinary procedures by the government, Medical Council, Coroner’s court or other official bodies
- Preparing for inquests
- Regulatory Hearings
- Criminal proceedings
- Indemnity for Good Samaritan Acts
- Other proceedings initiated by the Committee of the HA
Advice Provided by MPPS
- Medicolegal advisory service
- Counselling and supports
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.
We cover all medical negligence expenses, not just Good Samaritan Act negligence1. 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.
As a “claims-made basis” insurance, when an insured member has paid five years of premium or above immediately prior to ceasing to be a member, the company agrees to protect him/her on an occurrence basis in their lifetime for incidents during his/her insured period.
If the insured paid less than five years of premium immediately prior ceasing to be a member, and continued to be insured under our private practice professional protection scheme, the above can still take effect.
Please kindly contact us to obtain a quotation. Our line is available on 2281-3333, or you can email email@example.com.
*If we have any preliminary low-medium risks price range, maybe we can include in here
*1 Please see the list of private doctors we covered worldwide, except US and Canada