PACIS - Insurance Company Limited

Pacis Doctor's Professional Indemnity

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PACIS - Insurance Company Limited

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About this cover

The policy provides adequate and affordable coverage for thesehealthcare professionals against financial and reputational losses in the event of incidents of malpractice or unexpected outcomes, after medical procedures conducted within the the scope of the professional services rendered under domestic legislation, ethical codes and rules.

Cover conditions
  • Court judgments/awards for acts of professional negligence
  • Legal costs of defense in court
  • Cost of disciplinary hearings
  • Cost of defamation suits
  • Loss of documents
  • Dishonesty
  • Libel and Slander

Cover Limits

This section provides cover should the insured ...

PI classifications, Premium Options & Limits

Class I (Low Risk) Class II (Intermediate Risk) Class III (Medium Risk) Class IV (High Risk)
This will apply to all doctors who are not in clinical practice, and therefore do not manage patients routinely. These include research scientists, public health experts, administrators in public and private institutions, doctors who work in insurance and other corporate bodies. Interns Medical Oncologists All surgical disciplines
Medical Officers
 Dentists
 Interventional Radiologists
General Practitioners Paediatricians Interventional Cardiologists
Pathologists
 Radiologists
 Obstetricians / Gynaecologists
Haematologists All physicians (Internal Medicine,
Cardiologists, Neurologists,
Gastroenterologists,
Endocrinologist, Dermatologists
etc)		 Surgical Oncologists
Psychiatrists Ophthalmologists
Geneticists
Optometrists / Opticians

INDEMNITY LIMIT CLASS I CLASS I+LIFE CLASS II CLASS II+LIFE CLASS III CLASS III+LIFE CLASS IV CLASS IV+LIFE
1,500,000 7,500 12,500 9,750 14,750 12,000 17,000 15,000 20,000
3,000,000 10,800 15,800 18,000 23,000 22,500 27,500 30,000 35,000
5,000,000 13,500 18,500 22,500 27,500 28,125 33,125 37,500 42,500
7,000,000 16,380 21,380 27,300 32,300 34,125 39,125 45,500 50,500
10,000,000 18,525 23,525 30,875 35,875 38,000 43,000 47,500 52,500
15,000,000 21,426 26,426 35,709 40,709 39,000 44,000 48,750 53,750
20,000,000 27,300 32,300 45,500 50,500 52,000 57,000 65,000 70,000
30,000,000 32,063 37,063 53,438 58,438 58,125 63,125 75,000 80,000
40,000,000 34,440 39,440 57,400 62,400 65,600 70,600 82,000 87,000
50,000,000 37,800 42,800 63,000 68,000 74,375 79,375 87,500 92,500
60,000,000 41,040 46,040 68,400 73,400 82,080 87,080 96,000 101,000
75,000,000 47,250 52,250 78,750 83,750 95,625 100,625 112,500 117,500
100,000,000 63,000 68,000 105,000 110,000 120,000 125,000 150,000 155,000