Comprehensive insurance for healthcare professionals
Large sums insured and a very broad range of situations covered, including after you stop working: your professional liability is in good hands!
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INSURANCE
Professional liability insurance for medical and allied health professionals
Professional liability insurance for medical and allied health professionals is a Belgian-law policy from AG SA, distributed by BNP Paribas Fortis SA.
The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.
Work with peace of mind
As a doctor, physiotherapist, dentist, podiatrist, beautician or tattoo artist, you work in the medical or allied health sector.
It’s essential to ensure that you cover your professional liability, because if you cause damage to a third party and you’re liable – if you make a mistake with a treatment or diagnosis for example – you will have to compensate the victim. The bill can quickly become very large, putting your business at risk.
Large insured sums
The sums insured are suited to the risk level of your profession, up to:
- €5,000,000 for physical injury
- €250,000 for material damage
A broad range of risks covered
A mistake, delayed diagnosis, poorly executed treatment... Professional liability insurance covers any damage you may cause. You also get from operational liability, property in care, custody and control, and post-completion liability cover.
Claims occurring
Has your insurance policy ended because you’ve stopped working? Damage arising after the end of your policy is also covered, free of charge, on a claims occurring basis.
A requirement for practitioners
If you’re a doctor, the Belgian Order of Physicians requires you to have professional liability insurance in order to practise. Our policy allows you to meet this professional obligation.
The four types of cover
Professional liability
A delayed diagnosis of melanoma, burns caused during a permanent hair removal treatment, a foot infection after treatment... If you’ve made a mistake, our professional liability insurance will compensate your patients or clients on your behalf.
Property in care, custody and control
A patient's dental prosthesis is damaged, a hearing aid is broken after being entrusted to you for adjustment... In cases such as these, cover for property in care, custody and control will reimburse your patient or client for the repair costs.
Operational liability
You provide nursing care at a patient's home. When turning around, you knock over a valuable vase. Operational liability insurance will cover this damage.
Post-completion
You deliver a product as part of your medical or allied health activities. If the product causes damage to your client after delivery, post-completion cover may compensate for the damage suffered.
Which professions?
Medical and allied health professions and insured sums
General practitioners, specialists, paediatricians, cardiologists, physiotherapists, psychiatrists, veterinarians, nurses, occupational therapists, speech therapists, podiatrists, nutritionists, beauticians, tattoo artists and more besides. Discover the list of professions covered and the sums insured.
Scope of your protection
Main risks covered
damage caused to third parties by acts or negligence resulting directly from the lawful exercise of your profession
damage caused by the use of instruments, equipment and substances necessarily related to your insured professional activity
damage caused by assistants, technicians, secretaries, trainees or temporary colleagues working for you, as well as their personal liability
indirect professional risks, i.e. damage not directly caused by your medical or allied health activities
Operational liability, property in care, custody and control and post-completion liability risks
Main exclusions
intentional damage, damage resulting from a refusal to assist a person in danger, alcohol or drug intoxication, and damage resulting from the influence of narcotics
damage caused by medical and allied health activities prohibited by law or by regulations regarding disciplinary and professional standards
strict liability in the event of fire or explosion
damage caused to property in your possession and used as work tools
damage resulting from an apparent defect at the time of delivery or a defect you were aware of before the claim occurred
Discover the full list of all covered risks and exclusions
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The above list of covered risks and exclusions is not exhaustive. The exact scope of the guarantees can be found in the standard terms and conditions. To find out the main characteristics of this insurance policy, you can consult the information document. To receive a quote, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34.
General practitioner/specialist in training
During your time as a junior doctor (3 or 6 years), you benefit from:
- an 80% reduction on your annual premium as a general practitioner in training
- an 85% reduction on your annual premium as a specialist in training
You also benefit from two additional types of cover:
- Extended legal expenses cover
- Assault cover
Fledgling medical or allied health professionals
During the first two years of your career, you benefit from a 50% reduction on the premium of your professional liability insurance, provided you take out a fire insurance policy (Top Habitation, Top Bureau or Top Commerce) as part of a Modulis package.
More information on fire insurance for businesses
Established medical or allied health professionals
You can keep the additional extended legal expenses and assault cover as they are included in the Modulis package for general practitioners. There are also specific Modulis packages for other medical professions, each including tailored cover.
Learn more
Read the following documents before signing your policy.
Liability insurance for medical and allied health professionals is a Belgian-law insurance policy from AG, distributed by BNP Paribas Fortis. The policy is valid for the period defined in the special terms and conditions, and will be renewed by tacit agreement for the same period unless you object.
Any concerns?
If you have any questions, you can contact your advisor in the first instance or consult Article 21 of the standard banking terms and conditions.
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, e-mail : gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels – BCE 884.072.054 – Tel: 02 547 58 71– info@ombudsman-insurance.be - https://www.ombudsman-insurance.be
Make a claim
If a patient or client has made a claim against you, or if you want to make a claim yourself, our team is here to help!
in three steps
Your liability insurance for medical and allied health professionals
1
Is the policy right for you?
Check if your profession is included in the medical and allied health professions listed.
2
What are your requirements?
Contact us to learn more about your professional liability cover.
3
Find out what we have to offer
Receive a personalised quote tailored to your profession.
Contact your advisor or call the Easy Banking Centre to arrange a video call.Call us on 02 433 43 34.
Supplement your cover
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Fire and explosion strict liability insurance
This insurance is a legal requirement for those operating certain establishments open to the public, and compensates third-party victims of an incident on your behalf.
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Operational legal expenses insurance
If you’re facing a claim for damages or criminal proceedings, this cover ensures that you’ll be properly defended.
Legal Information
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – https://www.aginsurance.be - info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
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