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Indemnity Insurance

Professional Indemnity Insurance for Doctors

Professional Indemnity Insurance for Doctors

Indemnity Insurance for Doctors

Professional indemnity insurance for doctors is a liability insurance for doctors that provides cover against professional risks such as negligent misdiagnosis, incorrect medicine dosage, surgery-related procedures or wrong course of treatment suggested, etc. It provides coverage in case a patient or any third-party claims injury, harm, death or financial loss due to the insured medical practitioner’s service, consultation or advice and can also protect doctors from any libel or slander.

  • Features & Benefits:

  • Attractive coverage to suit all your needs

    Indemnity Insurance for Doctors offers high coverage up to Rs. 1 crore. You can arrive at the coverage amount based on the size of your practice, the identifiable risks and your budget.

  • Best in the market premiums

    Best in the market premiums

    With premiums starting just from Rs. 9440, make your insurance policy affordable.

    Coverage amount (in Rs.) Premium incl. GST (in Rs.) Deductible for every claim (in Rs.)
    50 lakh 9,440 2 lakh
    1 crore 12,980 3 lakh

  • Exhaustive coverage against legal liability

    Exhaustive coverage against legal liability

    Get liability coverage against a wide range of professional risks:

    • Defence costs

    • Third-party damages

    • Breach of confidentiality

    • Libel and slander

    • Loss of documents

    • Claims arising out of professional services

    • Damages for loss arising out of a professional incident which takes place in the coverage territory during the policy period


  • Dedicated customer support

    Dedicated customer support

    With our dedicated claims team, we have a quick and convenient claims process in place for you. You can get in touch with your relationship manager via call or mail.

  • Speedy redressal of claims

    Speedy redressal of claims

    The settlement amount gets confirmed within 30 days of receipt of all the details/documents as per policy terms and conditions.

  • Hassle-free 3-step claim process

    Hassle-free 3-step claim process

    Get your claim in 3 easy steps-
    - Claim intimation
    - Document submission
    - Claim settlement

  • What is not covered?

    Professional Indemnity Insurance for Doctors does not cover the below-

    • Medical treatment given for weight loss, plastic surgery, genetic damages, and conditions associated with AIDS

    • Criminal act, penalties, fines, punitive, and exemplary damages

    • Intentional non-compliance, wilful neglect, deliberate act

    • Loss of goodwill

    • Medical practice done under the influence of alcohol or narcotics

    • Losses arising due to an act of war/terrorism/invasion

    • Losses arising due to fraudulent claims or contractual liability

    • Claims based upon/ or losses/liability arising due to any actual or alleged unfair competition

    • Losses arising due to insolvency or bankruptcy

  • To know more about the terms and conditions on coverages and exclusions, please click here.

How to apply?


  • Only individual doctors can apply
  • Applicant to have nil claims in the past
Preferred Category Referred Category Declined Category
With no claim history Degrees - MBBS, BDS, BPT, BHMS, BAMS, MD, MDS, MPT, MS or higher Lifestyle-related cosmetic surgeons
Proposer with past claims As per limit opted

How to claim

  • Immediate claim intimation

Give immediate written notice to the Customer Experience team with all the available details. Please click here

  • Document submission

Submit documents relating to the claim viz., claim form, incidence report, documents / details in relation to the reported claim, etc. considering the nature of reported claim.

Our claims team will advise the exact list of requirements based upon the nature of claim intimated.

Note: The above list of requirements is indicative and the exact list can be confirmed after knowing the cause and incidence of loss.

  • Claim settlement

Once your claim is assessed and scrutinized, the settlement amount will be confirmed within 30 days of receipt of all the details/documents as per policy terms and conditions.

The Customer Experience team can be contacted via:

• Toll free number: 1800 209 5858
• Email:
• Customer service website
• Mailing address: Bajaj Allianz General Insurance Co. Ltd. - Bajaj Allianz House, Airport Road, Yerwada Pune- 411006