Doctors Professional Indemnity Insurance

Why Professional Indemnity Insurance is
Essential for Doctors in India?

With increasing patient awareness, rising medico-legal cases,and higher compensation awards, doctors in India are more exposed to legal risks than ever before. Even a single allegation can lead to long-term financial strain and reputational damage.

Professional indemnity insurance protects doctors by covering:

Legal defense costs
Compensation awarded by courts
Medico-legal consultation and case management

This makes professional indemnity for doctors a critical risk-management policy for every medical practitioner.

How Professional Indemnity Works

File a Claim

In case of a legal notice or patient complaint, report the incident to CoverYou.

Case Review

A medico-legal expert evaluates your case and guides the next steps

Defense & Settlement

Legal defense cost and court ordered compensation are covered under the policy.

End-to-End Support

CoverYou manages the process while you stay focused on your professional duties.

The Preferred Doctor's Professional Indemnity Choice in 2026

Professional Indemnity Policy for Medical Practitioners

Cover Amount

₹ 2 Crore

3 year

Starting from

₹ 580/month

₹6,955 annualy

Totally Cashless and zero deductibles
Referred by 100+ Associations
Option of Out of court settlement

View all features

Inclusive of 5% online discount *

Professional Indemnity Policy for Medical Practitioners

Cover Amount

₹ 1 Crore

3 year

Starting from

₹ 580/month

₹6,955 annualy

Totally Cashless and zero deductibles
Referred by 100+ Associations
Option of Out of court settlement

View all features

Inclusive of 5% online discount *

Premiums displayed are indicative and based on commonly opted Professional Indemnity plans by doctors. Actual premium may vary depending on specialty, experience, location, insurer underwriting guidelines, policy terms, and individual risk profile.

Benefits

Comprehensive Legal Protection

Covers legal defence costs, court-ordered compensation, and out-of-court settlements

Rapid Advocate Allocation

Get a medico-legal expert within 2 hours

Zero Hidden Charges

No membership or legal fees

PAN India Support

Access assistance wherever you practice

Expert Legal & Medical Panels

10K+ medico-legal lawyers and 200+ senior doctors guiding every case.

Have Questions? We have Answers

Professional indemnity insurance for doctors protects against claims arising from professional negligence such as misdiagnosis, wrong medication/dosage, surgical errors, or incorrect treatment decisions.

CoverYou is an insurance broker focused on the healthcare industry. We help doctors choose the right cover, assist with enrollment, and support you during the claims process.

With increasing patient awareness and medico-legal cases, even a single allegation can lead to legal expenses and reputational impact. Professional indemnity helps protect you from these financial and legal risks.

Hospital indemnity covers claims related to professional negligence, omissions, or errors in services provided by the hospital, its staff, nurses, or assistants.

Hospitals, nursing homes, diagnostic centers, path labs, and private clinics can opt for hospital indemnity insurance.

It helps protect the hospital against legal costs and compensation claims arising from patient complaints, medical negligence allegations, and litigation.

A retroactive date is the date from which your insurer agrees to cover you. Claims arising from incidents before this date are generally not covered.

A fresh policy means buying the insurance for the first time.

The tenure is usually 1 year, but some insurers also offer multi-year options depending on product and eligibility.

Common sources include consumer court notices, police FIR, medical council, human rights commission, and other legal communications (as per policy terms).

Yes, most professional indemnity policies cover a wide range of specialities. The premium and terms vary based on risk profile and specialty.

Multiple claims can be covered during the policy period until the sum insured is exhausted (subject to AOA:AOY and policy conditions).

Exclusions vary by insurer but typically include deliberate malpractice, illegal acts, practicing without valid registration, and certain prohibited procedures (as per policy wording).

Usually, cover can be increased at renewal. Mid-term changes depend on the insurer’s underwriting rules.

AOA (Any One Accident) and AOY (Any One Year) define per-claim and annual limits for payout. Example: 1:2 means per-claim limit is half of sum insured.

Some plans are annual, while some insurers offer multi-year policies. Options depend on the product and insurer availability.

Premium may change due to insurer pricing updates, risk profile changes, claim history, or regulatory/tax updates.

Specialty, years of experience, city/state, sum insured, AOA:AOY ratio, and claim history are key factors affecting premium.

Depending on insurer terms, you may choose a lawyer. Approved legal fees are typically covered by the policy (cashless or reimbursement basis).

Some policies have a compulsory deductible/excess. The payable amount depends on insurer guidelines and policy wording.

Professional indemnity generally covers cases related to professional medical negligence. Personal disputes unrelated to professional services are not covered.

Protect Your Practice, Secure Your Reputation.

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What is Professional Indemnity Insurance for Doctors?

Why Professional Indemnity Insurance is
Essential for Doctors in India?