Jordan X asked:
I’m happy with generalities, but if anyone has info specific to NY, that’d be helpful. I am curious really about two things: (1) Do doctors typically carry separate insurance beyond what is covered under the hospital’s insurance policy? (2) Does the hospital provide a separate policy for each individual doctor or clinic, or is it one big pool for the whole hospital?
I am aware of a situation in which a hospital’s insurance is about to be expended, but there are ongoing claims against individual doctors.
Tags: Doctor Malpractice, Generalities, Insurance, Insurance Policy, Pool
November 6th, 2009 |
Tags: Doctor Malpractice, Generalities, Insurance, Insurance Policy, Pool
November 6th, 2009 at 11:44 pm
My friend’s father is a surgeon, and he carries a $2 million dollar umbrella policy to protect himself from lawsuits. I don’t know whether the hospital provides additional coverage or not.
November 7th, 2009 at 4:37 pm
Likely, the surgeon would carry professional liability insurance and the hospital would carry it’s own separate insurance. Knowing that isn’t going to help you, however. If you have a “case” against either the doctor or hospital, you’ll have to sue.
November 9th, 2009 at 10:17 am
~~This may vary by state, but in California every physician must carry medical malpractice insurance to keep their license or to be contracted under any insurance company, or to practice in a hospital.
I don’t know exactly how hospitals insure themselves, but an educated guess would be a large liability policy.~~
November 10th, 2009 at 6:05 am
If the doctor is an employee of the hospital, they do not have their own coverage. If they are NOT an employee of the hospital, they do have their own coverage.
The hospital has their own malpractice policy, which includes blanket coverage for all employees – so one pool for the whole hospital.