Medical Practitioners and Medical  Staff

Who is it designed for

Dccording to article 189 from the Health Act (State Gazette No 70/10.8.2004), from 1.1.2005 the medical institutions should insure the persons, who have medical practice in the medical institution for the damages that could occur as a result from a malpractice.

Insurance cover

The insurance shall cover the liability of the medical practitioners and the medical staff for:

  • The sums that the above persons are liable to pay and that arise from claims made within the insurance term for property and non-property damages caused within the insurance term and resulting from negligence, mistake or omission by performing the professional activity.
  • Expenses for witnesses and expertise on civil lawsuits against the insured persons, arising from claims described above.
  • Expenses advisably made by the insured persons for avoiding and limiting the damages as well as other expenses made with the consent of the Insurer.

Territorial scope

The territory of the Republic of Bulgaria.

Sum insured

The tariff of the Insurer provides nine liability limit’s levels that include a single and an aggregate limit from BGN 10.000 up to BGN. 50.000.

Insurance premium

The premium per person shall be calculated depending on the employees’ type, the respective risk group and the selected single limit per person. For the policies with a term of one year the insurance premium could be paid in installments. By payment of the premium on a single lump sum a discount of 4% shall be applied. The Insurant could participate in covering each damage against a discount from the insurance premium.

retroactive cover

After running out the first insurance year the parties could agree a retroactive cover of the policy. The term of this cover, the liability’s limit and the due additional insurance premium are to be written in the insurance policy.

Conclusion and term of the insurance

The insurance shall be concluded on the grounds of a detailed proposal, filled in by the Insurant, and against payment of the insurance premium or the first installment of it (in case installment payment has been agreed). The insurance policy shall be issued on the grounds of the proposal for the period agreed.

When is the insurance indemnity paid

The insurance indemnity shall be paid, when after receiving a claim in writing, the grounds and the size of the damage caused by the Insurant are proven.