the insurer's Doctor Package Policy is a comprehensive bundled insurance product for medical practitioners — combining Professional Indemnity (malpractice protection), Personal Accident, Clinic Fire & Burglary, Money Insurance, and Public Liability into one package. Claims-made PI with retroactive date cover and AOA/AOY limit structure designed for doctors.
the insurer Miscellaneous Insurance· Professional Indemnity + Practice Protection· Claims-Made Basis
the insurer's Doctor Package Policy is a comprehensive bundled insurance product for practising doctors — combining Professional Indemnity (the core malpractice shield) with five additional covers protecting the doctor personally and their clinic premises.
Malpractice, negligence, error or omission claims by patients. Legal defence + compensation.
Doctor's own accident protection — death, PTD, PPD if personally injured.
Clinic building and contents — fire, storm, flood, RSMD protection.
Clinic contents stolen in break-in — medical equipment, records, supplies.
Clinic fee collections in transit and in safe — robbery, theft protection.
Patient/visitor slip-and-fall or accident at clinic premises — legal liability.
Covers claims arising from your PROFESSIONAL ACTS — wrong diagnosis, surgical error, medication error, treatment omission. "You gave the wrong treatment" → PI responds.
Covers claims arising from CLINIC PREMISES ACCIDENTS — patient slips on wet floor, display board falls on visitor, staircase incident. "Your clinic was unsafe" → PL responds.
The core and unique cover — civil liability for medical negligence, errors, and omissions. Legal defence costs + court-awarded compensation.
Section I — CoreCoverage for claims filed during the policy period AND retroactive protection for past acts — provided there is no break in annual renewal.
PI MechanicsChoose your protection structure: 25%, 33.33%, 50%, or 100% AOA:AOY ratio — determines how much is available per claim vs annually.
PI StructurePA + Fire + Burglary + Money + Public Liability — all practice risks in one bundled policy with one premium and one renewal.
6 CoversQualified assistants and employees named in the proposal — nurses, resident doctors — are covered for acts under the insured doctor's supervision.
Team CoverGroup policies available for hospitals and clinics. Discount for 200+ members. Separate coverage for each named doctor under group PI.
Group AvailableProbitas Insurance Brokers· takemyinsurance.com
PI is what makes the Doctor Package Policy unique. It covers the risk no other section addresses: a patient suing you for professional negligence. Civil liability only — not criminal.
⚠️ All PI policies have a mandatory excess/deductible (compulsory co-payment per claim). The deductible is a fixed % of the AOA limit subject to a minimum agreed at inception. Call 022 4302 0000 for current deductible terms.
All Six Sections — Click Any to Expand
The Doctor Package Policy bundles six sections of protection. Professional Indemnity is the core section — the other five protect the doctor personally and the clinic premises. Click any section tile to see full details.
Probitas Insurance Brokers· takemyinsurance.com
The Doctor Package Policy is available to any registered medical practitioner with a valid MCI/NMC/State Council registration. Eligibility is by qualification and registration — not by speciality (with one key exception).
Plastic Surgeons and Cosmetic Surgeons are NOT eligible for the standard Doctors' Professional Indemnity insurance.
This is a confirmed standard exclusion across the insurer and all PSU insurers. Reason: Cosmetic surgery has a distinctly different liability profile — patient expectations vs medical outcomes create a higher and different risk type that requires specialist underwriting separate from standard doctor PI.
Also excluded under PI:
→ Doctors practising without valid licence
→ Procedures beyond registered qualification
→ Doctors outside India (no foreign claim cover)
The Most Important Concept in Doctor PI — Fully Explained
The AOA:AOY ratio is the most critical decision in buying a PI policy. It determines how much protection you have for each individual patient claim versus your total annual exposure. Most doctors choose the wrong ratio — often underinsuring for single high-value claims.
| Ratio | AOA:AOY | Per-Claim Max (on ₹1Cr AOY) | Max Claims at AOA | Best For |
|---|---|---|---|---|
| 1:4 (25%) | 25%:100% | ₹25 Lakh | 4 claims | GPs with high patient volume, low individual claim risk |
| 1:3 (33.33%) | 33.33%:100% | ₹33.33 Lakh | 3 claims | Balanced for most non-surgical specialists |
| 1:2 (50%) | 50%:100% | ₹50 Lakh | 2 claims | Mid-risk specialities — gynaecology, orthopaedics |
| 1:1 (100%) | 100%:100% | ₹1 Crore | 1 claim (full) | Surgeons, anaesthetists — single catastrophic claim risk |
The Most Misunderstood Concept in Doctor PI — Never Break Your Renewal
The retroactive date is the single most important reason for annual renewal without break. A single lapse in PI renewal can cost you coverage for YEARS of past medical acts.
Retroactive date = 2018. The 2019 act is within retroactive coverage. The 2024 claim is filed during active policy. COVERED.
After lapse, new retroactive date = 2021. The 2019 act is BEFORE the new retroactive date. The claim is NOT covered — doctor bears the loss personally.
Even a single missed renewal creates a retroactive date reset. Years of built-up historical protection are wiped out. Set a standing renewal instruction with your bank or broker. If you are changing insurers — ensure the new policy starts on or before the previous policy's expiry date. The retroactive date protection is the most valuable long-term benefit of continuous PI cover — protect it by never allowing a lapse.
What the PI Section Does NOT Cover
All PI exclusions below are /NCBI academic paper, (PSU sister), RetireWise, and — consistent across all PSU PI policies.
Any written or recorded apology can be construed as an admission of liability — weakening your legal defence.
Any out-of-pocket payment without the insurer's consent may void your PI cover and does not necessarily prevent future legal action.
Case notes, prescriptions, investigation reports, consent forms, discharge summaries — these are your primary defence. Secure them before anything else.
Notify the insurer as soon as you receive any legal notice, consumer forum complaint, or credible threat of legal action. Time is critical.
the insurer appoints lawyers, handles all court/consumer forum proceedings, and manages out-of-court settlement negotiations on your behalf.
"Any liability arising out of any criminal act or act committed in violation of any law or ordinance is not covered." Only civil liability is insured.
"Treatments related to plastic surgery/cosmetic procedures" excluded in most PI policies. Purely aesthetic/beautification procedures not covered.
"Any condition which is associated with or caused by AIDS" — excluded from standard doctor PI across all PSU insurers.
"If the insured is under the influence of drugs or alcohol while rendering service" — liability excluded.
Hereditary conditions and genetic disorders — not caused by the doctor's professional act. Genetic damage claims excluded.
Only compensatory damages are covered. "Penalties or punitive damages" — excluded. If a court awards exemplary damages, doctor bears that portion.
"Only civil liability claims are payable. Criminal liability claims are NOT covered." A criminal prosecution against a doctor (under IPC, MCI rules) is not indemnified.
"Legal liability arising out of false arrest, slander, wrongful detention, libel, defamation, wrongful eviction" — not covered under PI.
"Jurisdiction covers all Indian courts only." Any foreign claim (e.g., international telemedicine patient filing abroad) is not covered under the insurer's PI policy.
Professional services rendered without a valid medical licence or in areas outside your registered qualification/speciality — not covered under PI.
What to Do When a Patient Makes a Complaint or Files a Case
PI claims require a different approach than property or accident claims. The most critical rule: preserve records and notify the insurer BEFORE responding to anyone. Every action you take independently can affect your claim.
Call 022 4302 0000 the moment you receive any legal notice, consumer forum complaint, or threat of lawsuit. Immediate notification is a policy condition — delays complicate claims.
Secure all medical records for the patient concerned: case notes, prescriptions, lab reports, imaging, consent forms, discharge summaries, nurse notes. These are your legal defence.
Do NOT respond to legal notices, appear before consumer forums, or pay anything without the insurer's guidance. Independent action without the insurer's consent may void the PI claim.
Complete the insurer's PI claim form with full details of the alleged incident, patient name, date of treatment, nature of complaint, and all legal notices received.
the insurer appoints experienced legal counsel to handle your defence. the insurer manages all communications with the patient's lawyers, consumer forum, and courts on your behalf.
"Company can opt for out-of-court settlement which should be accepted by the claimant." If a court decides — the insurer pays the award up to your AOA limit.
The claim amount paid reduces your remaining AOY for the policy year. At annual renewal, AOY restores to the full contracted limit.
Standalone PI vs Doctor Package Policy
the insurer offers both a standalone Professional Indemnity policy (for malpractice only) and the Doctor Package Policy (PI + five additional covers). Here's how to choose.
| Parameter | Doctor Package Policy (This) | Standalone PI Policy (the insurer Liability) |
|---|---|---|
| Product category | the insurer Miscellaneous — Bundled Package | the insurer Liability Insurance |
| Professional Indemnity (PI) | ✔ Section I — Core cover | ✔ Full PI policy |
| Claims-made basis | ✔ Yes — retroactive date | ✔ Yes — retroactive date |
| AOA/AOY ratio structure | ✔ Same — 25%/33%/50%/100% options | ✔ Same ratio options |
| Personal Accident for doctor | ✔ Section II — included | ✘ Not included |
| Clinic Fire + Burglary | ✔ Sections III + IV | ✘ Not included |
| Clinic Money Insurance | ✔ Section V | ✘ Not included |
| Public Liability (clinic premises) | ✔ Section VI | ✘ Not included |
| Best for | Clinic-owning, practising doctors who need complete practice protection | Hospital-employed doctors who need only malpractice PI — no clinic to protect |
| Bundled cost advantage | One premium for six covers — cost-effective for clinic owners | Lower premium — only pays for PI. Add other covers separately if needed. |
Doctor Insurance Questions
Get Your Doctor Package Policy Quote
Our the insurer-empanelled specialists will contact you within one working day with a complete Doctor Package Policy quote — tailored to your speciality, risk group, clinic ownership, and preferred AOA/AOY structure.
By submitting, you agree to our Privacy Policy and Terms & Conditions. Doctor Package Policy subject to the insurer underwriting and IRDAI regulations. PI on claims-made basis. Plastic/cosmetic surgeons: not eligible for standard PI — contact us for specialist options. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.