The Role of Medical Malpractice Insurance Nearly 200,000 people are injured or killed due to negligence or errors in the treatment process inside the hospital. Some are sued because of mistakes in prescribing medication or explaining the side or adverse effects which may have led to death. There are also healthcare workers who have been slapped with a malpractice case due to safety incidents - or lack thereof. Almost 60% of all malpractice cases are due to 'failure to rescue' and post-operative sepsis, among others. Neurosurgeons go to court for these more often while psychiatrists get the least number of cases filed against them. Cases of malpractice are increasing every year which makes this the third top cause of mortality in the hospital. Aside from that, hundreds of billions of dollars are spent just for litigation every single year. The Need for Professional Liability Insurance If proven in court that there has been malpractice, the medical professional will have to pay for damages, whether that's compensatory or punitive or, in some cases, both. Compensatory damages may include economic (e.g. loss of wage) and non-economic (e.g. loss of limb, vision, etc.). Besides the possibility of losing one's job; the health care professional will also have to pay up. And when summed up, the cost could go over hundreds of thousands of dollars. Whether or not the professional won the case, the whole idea of getting sued for this is very depressing. Instead of working, one tends to spend so much time thinking about this. The lack of concentration may even be the cause of another possible mistake in the hospital. Being backed up by some sort of insurance does give one assurance that everything will be taken care of. Types of Medical Malpractice Insurance Insurance companies offer various kinds of professional liability insurance in the medical field. One of the biggest malpractice insurers in the country has categorized their services into three: for doctors, for a larger group of health care workers and for the hospital. Before purchasing doctors malpractice insurance, it's important to know the difference between each type of policy. Make sure your insurance broker explains what your options are. The cost for malpractice insurance can seem pretty steep these days. But this is something that a health care worker should never go without. Of course, besides paying for medical malpractice insurance, being extra careful and attentive at work can really help as well. Read more articles and request more information about medical malpractice insurance offered by Nexus Insurance Services.
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