What is Physician Professional Liability Insurance and Why Should It Be Made?

Physician professional liability insurance, which was previously applied in developed countries such as the USA and Germany, is offered by insurance companies to cover the compensations to be paid as a result of errors that may occur during the professional practice of physicians. It will be a great advantage for physicians to take out this insurance in order to be protected against high compensations to be paid as a result of professional mistakes that we can come across in our country. Mandatory Physician Professional Liability Insurance covers the compensations that may occur in the event that the patient is injured due to a fault or negligence during professional services, their health condition worsens or they lose their lives.

How Are Insurance Premiums Determined?

Physician professional liability insurance premiums are determined according to the risk groups of the physicians in the branch they work in. Currently, there are 4 risk groups. Among these risk groups, the 1st group, which has the cheapest premiums and the lowest risk, is the 4th group, which has the highest risk and the highest premium. To give an example, while the Environmental Health branch is in Group 1, Pediatric Emergency is in Group 4. Depending on which group you belong to, premiums can vary between 130 TL and 800 TL on average. Of course, no matter which group you are in, the more premium you deposit, the higher the amount of coverage you will receive. In addition, insurance premiums are paid in advance.

What are the Matters to be Considered While Making a Physician Professional Liability Insurance?

This type of insurance is a compulsory form of insurance just like Dask and there is a fine for those who do not have this insurance. If you are working as a doctor, you should get this insurance as soon as possible. Calculate that the premiums you will deposit will affect the amount of coverage you will have, and invest your premium carefully. When filling out the form, choose the section that best describes your branch, because risk groups and therefore the premiums to be paid may differ according to the branches.