Professional Indemnity Insurance Help Centre

Covers for claims arising from a Medical Negligence Incident by the insured in the provision of professional healthcare services, legal representation costs incurred directly in connection with formal inquiries into the conduct of professional healthcare services, vicarious liability for doctors and doctors working as locum, Good Samaritan Acts, unintentional defamation, unintentional infringement of any intellectual property, loss of documents, unlimited run-off coverage, advancement of defence costs and legal representation expenses, unlimited retroactive date, Aggravated Damages, public relations cost, auto reinstatement, full support for mediation, Expert Doctors and Medico Legal Lawyers consultation, Coverage for Notices of Contribution and Indemnity (NCI), and Defence Costs (Limit in addition) Extension.

They should select: General Practitioners with Aesthetics exposure. This category would cover 'Non-invasive elective topical enhancement of patient’s external appearance, including injections' or minor procedures which include the following: Derma Rolling/ Skin Needling, Injectables (Botulinum Toxin Type A (Botox, Dysport) and non-permanent dermal fillers), Intense Pulsed Light (IPL), Laser therapy (excluding laser resurfacing), Microdermabrasion, and Peels (fruit acid facial peels and superficial depth chemical peels).

This means you are covered worldwide except for USA/CANADA. However, the legal cases must be heard in Malaysian courts only.

The DoctorShield has made it possible for doctors to customize the coverage they want and purchase it within 10 minutes. The policy is underwritten by Chubb who are the World’s Largest publicly traded Property & Casualty Insurer. You can renew policies within 2 minutes via our online platform. The DoctorShield encourages alternative dispute resolution methods especially mediation. We offer unlimited retroactive date. If you are a clinic owner, you can easily add clinic indemnity to your individual professional indemnity insurance within minutes. We offer unlimited run off coverage for you to be covered during your retirement years. Regulator’s inquiries are covered within the policies. We do have our panel of expert medico legal lawyers ready to be engaged.

JA Assure Group has Insurance Intermediary licenses and operates offices in Singapore, Labuan and Hong Kong.

DoctorShield is a New Technology Platform. JA Assure has been in the insurance industry for the last 20 years. Chubb is the World’s Largest publicly traded Property & Casualty Insurance company. Almost all reputable expert medico legal lawyers in the country are part of our panel. Nevertheless, we are also able to accept lawyers of your choice to represent you, as long as they have experience in the medico-legal field, subject to the approval of the insurer.

DoctorShield offers Claims-made basis - A policy providing coverage that is triggered when a claim is made against the insured during the policy period, regardless of when the wrongful/negligent act occurred that gave rise to claim. Although the policy is claims-made basis, we offer unlimited retroactive date. In other words, as long as you are holding on to our policy, we cover you for all the unknown matters arising from the date you started practicing.

If the dentist is being sued by a government patient, the case is brought up to the attention of the Senior Dental Officer in charge/ the Timbalan Pengarah Kesihatan Negeri ( Deputy Directors of State) then referred to the Jabatan Kesihatan Negeri ( State Health Department ) who have their own panel of lawyers to act on the case. However, if the dentist is being sued by a private patient, the dentist is on his own.

This is decided on a case-by-case basis. There is always a special committee by the State Health Department (JKN) medico-legal team that decides if further action needs to be taken against the dentist or if they have to face additional charges.

Dental Act 2018 does said that it is Compulsory that all practitioners have indemnity and this will only be reinforced on 1st January 2025.