What🍨 Is Allied Healthcare Professional Liability Insurance?

Allied healthcare professional liability insur༒ance provides coverage for medical professionals who are not physicians, s🌃uch as nurses, physical therapists and dentists.

Understanding Allied Healthcare Professional 🌄Liabilitﷺy Insurance

Allied healthcare professional liability insurance provides coverage for non-physician healthca🌠re professionals such as nurses, physician' assistants, midwives, dentists, physical therapists, occupational therapists, medical technicians and others.

Take for example an occupational therapist working in the home of an elderly patient. The therapist leaves the room briefly and returns to find the patient on the floor with a bruised hip. The family of the patient sues the therapist for negligence, claiming if the worker had stayed in the room the injury could have been prevented. The worker's allied healthcare professional liability insurance would provide coverage during the lawsuit.

Allied healthcare professional liability insurance is often marketed through industry associations, which offeꦺr advantageous premium pricing and coverage by creating a larger pool of inꦏsured.

What's Covered

Most policies limit liability to between $1 million and $3 million for incidents occurring in the place of work or in a patient's home. Supplemental coverage will include damages incurred to the patient's property, pay for lost earnings, and medical payments. There are also policies for part-time workers.

The policies have evolved with new technologies that enable sharing of patient data. In addition to professional liability exposure, a 澳洲幸运5官方开奖结果体彩网:comprehensive policy will cover healthcare data protection risks and the risks associated with non-compliance with the Health Insuranc♛e Portability and Accountability Act (HIPPA). For example, HIPAA establishes privacy rules concerning patient information such as diagnostic images, laboratory tests, and other medical information. But wit🃏h the advent of social media, the inadvertent sharing of this information becomes an increasedꦆ risk.