You look after patients. We'll look after the claims.
Even careful, experienced doctors face allegations of negligence. Professional indemnity insurance pays for your legal defence and any compensation awarded, so a complaint doesn't put your savings or your practice at risk.
- Legal defence costs covered from the first notice, including consumer-forum and civil-court cases
- Plans for individual doctors, clinics, nursing homes and hospitals
- Quotes from multiple insurers, compared for you by an IRDAI-licensed broker
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A SafeTree advisor will call you within one working day with options from our partner insurers.
A single complaint can take years to resolve
Medical services fall within India's consumer protection law, and patients today are better informed and quicker to seek redress. Even a claim you ultimately win carries lawyer fees, expert opinions and time away from your practice.
Consumer forums are open to patients
Patients can file a complaint without heavy court fees, so claims are easier to bring and more common than many doctors expect.
Defence is costly and slow
Legal counsel, expert witnesses and appeals add up long before any verdict. Your policy pays these costs as the case progresses.
Hospitals often require it
Many hospitals ask visiting and empanelled consultants to show a valid policy before granting practising privileges.
Cover for every kind of medical practice
Premiums and limits depend on your specialty's risk. We match you with insurers that understand your field.
What the policy covers, and what it doesn't
We believe you should know the limits of your cover before you buy it, not when you make a claim.
Negligence claims
Compensation you're legally liable to pay for bodily injury or death arising from an error or omission in your professional services.
Legal defence costs
Advocate fees, expert opinions and court expenses incurred with the insurer's consent, even if the allegation proves groundless.
Consumer forum & civil cases
Defence at district, state and national consumer commissions and in civil courts, including appeals.
Past treatments
Claims made during the policy period for treatment given on or after your retroactive date.
Staff & premises (establishment plans)
Negligence by qualified staff you employ, and third-party injury on your premises, under medical establishment policies.
Extended reporting period
Optional extra time to report claims after your policy ends, useful when you retire or stop practising.
Criminal or deliberate acts
Intentional wrongdoing, fraud, or acts that break the law.
Treatment under the influence
Services given while under the influence of alcohol or drugs.
Outside your qualification
Procedures you aren't qualified or registered to perform.
Known or prior claims
Incidents you knew about before the policy started, or treatment before the retroactive date.
Fines & penalties
Punitive or exemplary damages, fines, and penalties imposed by law.
Guarantees & contractual liability
Promises of a specific outcome, or liability you take on by contract beyond what law imposes.
This is a summary. Exact inclusions, exclusions and sub-limits vary by insurer and plan. Please read the policy wording before you buy; your SafeTree advisor will walk you through it.
Two ways to protect your practice
Individual doctor
For consultants, visiting doctors and solo practitioners.
- Covers you personally, wherever you practise in India
- Limit of indemnity chosen to suit your specialty
- Premium based on specialty and limit, not patient volume
- Continuity benefit when you renew without a break
Medical establishment
For clinics, diagnostic centres, nursing homes and hospitals.
- Covers the establishment and its employed medical staff
- Optional cover for third-party injury on your premises
- Premium based on beds, services and turnover
- Can sit alongside individual policies held by your doctors
Key terms, in plain language
Six things worth understanding before you compare policies.
Limit of indemnity
The most the insurer will pay. Usually set per claim (any one claim) and in total for the policy year (aggregate).
Claims-made basis
The policy responds to claims first made against you while it is active, not to when the treatment happened.
Retroactive date
Treatment given before this date isn't covered. Renew without a gap and it stays fixed, protecting all your past work.
Deductible
The portion of each claim you pay yourself. A higher deductible usually means a lower premium.
Extended reporting period
Extra time after the policy ends to report claims for work done while it was active.
Jurisdiction
Where claims must be brought for the policy to respond. Most Indian policies cover claims filed in Indian courts and forums.
A broker on your side, not the insurer's
As an IRDAI-licensed insurance broker, we work for you. We compare plans across insurers, explain the fine print, and stay with you if a claim is ever made.
Compare insurers
Side-by-side quotes from leading general insurers, so you see the full picture before you decide.
Right-sized cover
Guidance on limits and add-ons based on your specialty's actual risk, not a one-size template.
Claims advocacy
We coordinate with the insurer and help you gather documents when you need support most.
Renewal reminders
We track your renewal date so your cover and retroactive date never lapse.
What to do if you receive a notice
Acting quickly and in the right order protects your cover. Here's how it works with SafeTree.
Inform us immediately
Call or email SafeTree as soon as you receive a legal notice, complaint, or learn of a possible claim.
Share the documents
Send the notice, patient records, consent forms and treatment notes. We'll tell you exactly what's needed.
Insurer appoints counsel
We register the claim with the insurer, who assigns or approves a lawyer experienced in medical cases.
Defence & settlement
Defence costs and any award are paid as per your policy. We keep you updated at every stage.
Questions doctors often ask us
Is professional indemnity insurance mandatory for doctors in India?
How much cover should I buy?
What is a retroactive date and why does it matter?
Does my individual policy cover my clinic staff?
Am I covered if a patient files a complaint after I switch insurers?
Is the premium tax-deductible?
How quickly can I get a policy?
Ready when you are.
Speak to a SafeTree advisor about cover for your practice. No obligation.