If you are a government doctor with LOCUM practice or exposure, you should choose for Government Doctor with LOCUM exposure. Private sector Doctor, you are covered for LOCUM automatically. The limit of liability as a LOCUM follows the limit of the policy coverage that you chose to buy.

What is covered in Chubb Elite Medical Malpractice’s Professional Indemnity Insurance?

You can select Cosmetic & Aesthetics as a specialization (low, medium or high risk).

This will be classified as “government doctor”

You are covered worldwide except for USA/CANADA, and the legal cases must be heard in Malaysian courts only.

Chubb is not best suited to make a decision on the classification. Medical Professionals/Doctors will know the exact procedures that differentiates the general practitioners from the specialists in each fraternity. Medical Professional/Doctors will be the best to make the best decision.

We are unable to advice and comment on other schemes.
However, we will be able to highlight our benefits that are unique in the market. It may also help you understand why many have online get cover from us.
The Online Get Cover Now has made it possible for doctors to customize the coverage they want and Online Get Cover in 8 minutes, that includes receiving the E- Policy. https://www.onlinegetcovernow.com/medical-malpractice/
The policy is underwritten by Chubb who are the World’s Largest publicly traded Property & Casualty Insurer. Chubb have local capacity within Malaysia to pay claims unlike many of the competitors who may have reinsured the risk to an overseas reinsurer. This may affect significant sized claims as it goes through two layers of loss investigation and approval.
Chubb offer unlimited retroactive date. Which means that you are covered against any unknown claims arising from day one of your career.
We offer unlimited run off coverage for you to be covered during your retirement years. This coverage is free of charge as long as you have been insured with us for a minimum of 5 consecutive years. In the event that you are planning for retirement less than 5 years, you may inform us and purchase the run off coverage with an additional premium.
Regulator’s inquiries are covered within the policies.
CHUBB provides the most competitive in most classifications, Government Doctor, Private Doctor, Semi-Retired, and even Part-Time Specialist with more affordable rate.
We do have our panel of expert medico legal lawyers ready to be engaged. Chubb also allow lawyers of your choice to represent you as long as they have medico legal experience subject to the Chubb’s approval.
Ready and available consultants who can be contacted via our Facebook Messenger, website, Email and WhatsApp to assist with clarifications. Our online platform is to help clients make an informed decision without any misrepresentation. Comprehensive coverage can be found in our platform so as to minimise caveats and ambiguity.

Cosmetic and Aesthetic Low risk
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.
-Peels – fruit acid facial peels and superficial depth chemical peels.
Cosmetic and Aesthetic Medium Risk
Invasive procedures of items above (Cosmetic and Aesthetic High risk)
Cosmetic and Aesthetic Surgery
-Elective Alteration of Patient’s External Appearance
Plastic and Reconstructive Surgery

If changes of your main practice location without changing classification, you would only need to inform us the address to update in the system without any charges. But if you change to a different classification, you may be subject to a change in the premiums.

Refunds are available but subject to approval upon request.

This is conventional policy underwritten by Chubb.

Loss mitigation is an additional coverage that most insurers do not offer. It allows Doctor to claim for allowed expenses such as medical experts consultation at the point of a claim notification. Allows expense that will basically help doctors reduce the conflicts, Chubb are ready to help doctors solve the problems at the start of the problem itself.

For government specialists with LOCUM exposure, please select your classification as “Government Specialist with LOCUM exposure”, a further table requiring you to select the classifications and the percentage of each classification. Premiums will instantly appear on the next step and based on the information provided. You may proceed to fill up detail, payment and get E-policy on the next few minutes (based on network speed).

Government medical officers with locum exposure and private sector medical officers” regardless of the classification have to choose “medical officer with locum exposure” classification only. They are not required to choose separate classification. We have managed to cater to all medical officers a standard rate regardless of their classification.
For a medical officer in the private sector, locum practice is covered automatically.

As I’ve retired but occasionally work couple of days or part-time to see few patients. Buying full time coverage is too expensive for just few days of work which are many doctors facing similar dilemmas.
We have catered a special category for semi-retired or part-time specialists such as yourself. This category fits specialists who work less than 20 hours per week. We are sure the premiums are much more suitable for your current workload.

Period whereby you can report a loss, even after the policy expires. Extended notification period is usually 90 days from the policy expiry.

Our policies are claims-made not occurrence-based.

An occurrence-based policy covers you for life as long as you were covered with them for that policy period. Although such policies are usually superior compared to claims-made policies, the insurers issuing such policies tend to accumulate (potential claims and) losses over years and find it difficult to operate at the same premiums level. Hence, the insurers who used to offer such occurrence-based policies are either getting out of the mode or increasing their premiums consistently to stay afloat.
Chubb 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.
We also offer unlimited run off which means you are covered for life even after you cease your operations or after your retirement.
In today’s market, most insurers and clients have moved to providing Claims-made basis as its more cost effective and sustainable.

The premiums are yearly. Premiums can be paid via our website using direct bank transfer, E-wallet, credit card, EPP (depends on availability) or debit cards during the purchasing process in our site https://www.onlinegetcovernow.com/medical-malpractice/

If within limit, there will be no additional premium. However, if the limit has been exhausted there will be additional premium payable for reinstatement subject to the insurer’s approval.

Within government doctors, we do not differentiate between classifications. Therefore, the premiums are the same and the flat rate also applies for medical officers with locum exposure, there is no differentiation according to specialization.

There will be a minimum of 5% charge for cancellation before or after policy inception date. However, once the policy is incepted, the refund of unused premiums (if any) is subject to the approval by Chubb.

Unlimited Run-Off, refers to when you have stopped paying the premiums and have retired – you are still covered for the entire period you had been insured. For retiring doctors, we offer unlimited run off cover without any additional premiums as long as they have been insured with us for a period of 5 consecutive years. In the event that doctors plan to retire in less than 5 years, the doctors can pay an additional premium to start their run offer cover accordingly.

Minimum limit of liability provided in our website is RM 250,000 for government doctors and dentists. Whereas, the minimum limit of liability for specialists is RM1,000,000.

Although we don’t offer 1-day insurance policy, your doctor can buy insurance for the period till the end of the year or next year as per the system. It’s best that he holds on to the policy thereafter for some time to protect against any claims that may arise from thereon.
Since the doctor is from overseas, it’s important that he checks if he is eligible to practice in Malaysia.
The Insurance will only cover healthcare professionals who are licensed to practice.

Yes. Our policy comes with an Unlimited Retroactive date. You will be covered from the day you started your medical practice against any unknown claims.

The sample Policy Schedule is found inside the policy wordings obtained via our website https://www.onlinegetcovernow.com/medical-malpractice/ when you request for a quote.

The minimum duration is 6 months and the maximum period for the policy is 18 months.
The policy will always end on 31st December. Policies effected in the first half of the year (1st Jan to 30th June) will provide coverage till the end of that year only.
Policies effected on or after 1st July will provide coverage till the end of the following year, ending on 31st December of the following year (maximum coverage for 18 months).

Yes. We do provide coverage for the doctors in any location irrespective of the address mentioned in your APC. All of our policies cover practice worldwide except for USA/Canada.

Yes, it is possible. The higher coverage you choose to upgrade to will be prorated.

No. The insurance will only pay for legal costs and the medical damages, not for the loss of income of the doctor.

The coverage is recommended to be in tandem with the risk level of each classification and the claims paid out in recent times.

Yes, we can offer run off coverage with an additional premium charge. But if the doctor is insured with us for 5 consecutive years, the run off coverage is free of charge.

Yes. The policy covers legal expenses to represent you during regulator’s inquiries.

If the insurer agrees that the appeal is necessary, they will bear the cost for it. The policy states the procedure for determining whether the contest should be escalated to appeal or to settle.

No. However, if your policy starting date is before 1st July, the policy will end 31st Dec of that year.

Yes, you are covered.

Yes, you are covered for public relations but NOT counselling.

Our policies don’t impose a restriction on locum hours. Government laws and regulations are applicable.

Neurosurgery does not include spine surgery. You will have to choose spine surgery in addition to neurosurgery.

1. Do we still cover her?
Answer: Yes
2. What will be the sum assured?
Answer: As per the Insured’s latest policy immediately prior to run-off
3. What if she wasn’t covered by anyone at that year, 2015?
Answer: She would still be covered as our retroactive date is unlimited
4. Is unlimited retroactive date applicable while someone is on run off coverage with us?
Answer: Yes.

Aggravated damages are the special and highly exceptional damages awarded on a defendant by a court, when his/her conduct amounts to tortious conduct subjecting the plaintiff to emotional and malicious circumstances.

The doctors who are working for the clinic owner will be protected under the vicarious coverage of the clinic owner’s policy. Nevertheless, the Insurer may still sue the locum doctor separately to recover their losses.

Yes, it is covered. The policy does not exclude telemedicine. We don’t restrict the medium thru which the doctor provides consultation. Government laws and regulations are still applicable

Yes, it’s covered subject to the territorial limits worldwide except USA / CANADA and subject to the national laws on tele consultation. In the event of a claim, the case has to be heard in courts of Malaysia only.

Antenatal follow ups by GP is allowed for up to 24 weeks. Beyond 24 weeks, it must be done by GP with obstetrics. Additionally, GP with obstetrics can only care and manage. Deliveries & surgeries must be done by specialists only.

If the sole proprietor clinic gets sued., our policies will be triggered as they come with a “Sole Trader” extension that covers all sole proprietors’ clinics.

Yes. High risk surgeries are covered under locum exposure.

It varies with the specialty. Premium charges are based upon the relative risk associated with practice in a specialty. You can check our website https://www.onlinegetcovernow.com/medical-malpractice/

You can choose your classification under Allied Health Practitioner.

Yes, we provide unlimited retroactive date during run-off coverage.

Not recommended. Although this is not explicitly mentioned in any policies, we would not recommend anything to our clients that looks too good to be true, unless we can get a commitment from the Chubb regards it.
The run off coverage is only free if you had been on the same coverage for the last 5 years.
So, you may want to stick to a coverage that offers you peace of mind during your retirement.

Your policy covers anywhere in private sector and government across the world except for USA/Canada.

Yes.

As it is low risk, you may choose “ophthalmology with no laser refractive surgery – except cataracts”.

Yes. Claims are paid to the limit of the sum assured. You may have multiple claims but the insurer will pay up to the limit of the policy.

Chubb Elite Medical Malpractice currently caps the maximum policy at RM10m. Because the maximum record claims payout is RM7,000,000 to date.

If you purchase a policy any time before 1st July, the policy is designed to end on 31st December of the same year and your premiums will be pro-rated. All policies purchased after 1st July, will end on 31st December the following year. This is the new industry arrangement following the regulation on mandatory insurance for doctors that all policies must end on 31st December. This is in alignment with the Annual Practicing Certificate (APC).

There is no charge for cancellation if done before the inception date. However, charges are applicable for cancellations after the policy inception date.

You can request for a quote online our platform and you will receive the quote and policy wordings immediately. You may go through the policy wordings before you choose to purchase.

You can start renewal process six months prior to the end date of the policy.

Medical Malpractice is likely to have caused pain and loss to patients that cannot be always exacted with financial compensation. At the same time, it is our belief that no doctor would have intentionally caused pain to any of his/her patients. During the litigation process, the emphasis is on one party being favoured over the other in the eyes of the law. This is why we strongly recommend professional mediation as the first course of action so as to achieve a suitable outcome that is positive for all parties. We are confident that we have a well-qualified and experienced panel of expert lawyers who can achieve successful outcomes through mediation and also fight for your interests fiercely should litigation be necessary.

We recommend that you allow us to choose the expert lawyer to represent your interests through the claims process. We have confidence in our panel of handpicked lawyers to help you through a successful meditation process and arrive at a positive outcome.
The objective is to help clients and their respective patients to move on with their lives without having to go through any more pain than necessary. In order to achieve effective dispute resolution, professional mediation is the best course of action and we fully support this effort.
However, if mediation is unsuccessful, our panel of expert lawyers will be able to move the case into litigation confidently.

Timely claims reporting is a requirement of the insurer. In a bid to reduce any time lapse between claims notification and lawyer engagement, we have created an online form for you to submit the details so that the insurers and the lawyers get real time updates.
Once the online form is submitted, our team will be notified and we will immediately activate one of our trusted lawyers to contact you and provide you with the appropriate advice on the next course of action.
As we have access to a wide range of medico-legal expert lawyers across the country on our panel, our preference is to activate the nearest to you. However, if you have a preferred lawyer, we can arrange for a quick approval with the insurer if he/she is not already on our panel.

We insure doctors for medical malpractice. If the product is under clinical trial, then it is covered under the insurance policy of the product manufacturer who would have insured separately under clinical trial insurance / product liability insurance.

As an insured professional, it is your obligation to notify the insurance provider immediately under any of these situations:
Claim made against you
Any and all circumstances that may lead to a possible claim being made against you
Any and all medical incidents that could potentially lead to a claim
Any inquiries that imply a claim is being considered against you

Yes, if it is necessary to consult medical experts to clarify your situation, we will arrange a call for you to discuss further. If you wish to consult on the situation with a specific medical expert, please let us know so that we can have this arranged formally.

Yes, we cover (and strongly encourage) out of court settlement, arbitration, mediation, litigation and regulators’ inquiries.

When the claims limit is reached the policy terminates.Therefore it is recommended to choose an appropriate coverage according to your specialization and limit in tandem to the current trends. Nevertheless, if you have chosen the option of auto reinstatement, the policy limit is replenished however the auto reinstated coverage cannot be utilised for the existing claim and can only be used on a subsequent claim.

Elite Medical Malpractice Insurance currently caps the maximum policy at RM10m as the maximum record claims payout is RM7m to date. Nevertheless, you may opt to buy an auto reinstatement with 10% more premiums. That will automatically replenish your limits to another RM10m in the event that the first RM10m is exhausted. Auto Reinstated coverage cannot be utilised for the existing claim.

We will be sending you a renewal link that allows you to renew within few minutes. Alternatively, you can also choose the “Renew” option from our website to start processing your renewal within minutes. The system will help prefill up your renewal application for you to review before you make the renewal payment.