Professional Indemnity Cover

At AAR Insurance we cover Lawyers, Architects , Engineers, Accountants/auditors, Medical practitioners

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Implied Terms

Implied terms is a contract between a professional and his client, demand that reasonable care be exercised in delivery of services. Client's expectations are progressively increasing due to:

  • Technological advances
  • Consumer Protection Act
  • A more intrusive media
  • Increase in the size of court awards

Disputes are inevitable without a measure of what constitutes reasonable care and skill which has serious financial implications on medical practitioner's finances and practice.

The Answer

Disputes are inevitable without a measure of what constitutes reasonable care and skill which has serious financial implications on medical practitioner's finances and practice.

What is covered?
Legal liability as a result of negligence on the part of the doctor(s) in the course of their professional duties which results in:
  • Bodily injury(accidental death, injury, disease, illness, mental injury, mental anguish or shock)
  • Costs and expenses incurred (with the insurance companies consent) in defence/settlements of a claim against the doctor.
Who can Insure?
  • Dentists
  • Dermatologists
  • Radiologists
  • Surgeons
  • Gynecologists
  • Pathologists
  • ENT Surgeons
  • Pediatricians
  • General Practitioners
  • Cardiologists
  • Psychiatrists
  • Qualified Clinical Officers
  • Qualified Nurses
Process of Claiming
  • Make clear records of the event while things are still fresh in mind.
  • Keep all copies in a secure personal space
  • Write to us formally informing us the event
  • Do not admit liability, make any offer/promise/payment or engage in any correspondance with a complainant without our written consent.
  • Do not incur any legal expenses that you intend to claim without our approval.
  • Do not respond to any third party correspondance. Instead forward them to us immediately to respond on your behalf.
Additional Free Benefits
  • Free continuing cover on retirement(provided that the retirement or cessation was not due to being struck off the register of the Kenya Medical Practitioners and Dentist's Board).
  • Free last expense cover for Ksh. 25,000

Rates

GROUP SPECIALIZATION
GROUP 1 General practitioner, Dermatology Endocrinology, Geneticist Haematopathology Interrmedicine, Pathology physician, Psychiatry, Rheumatologist Dentist
GROUP 2 Anesthetics, Cardiology, Gastroentereology, Neonatology, Oncology, Paediatrics, Radiology, Urology.
GROUP 3 Cardiac surgery, ENT surgery, Ophthalmology
GROUP 4 Cardiothoracic Surgery, Thoracic Surgery, Orthopaedics, General Surgery, Vascular Surgery, Geriatric Surgery.
GROUP 5 Gynaecology, Neurosurgery

NB: For specializations not included above, please refer to underwriting department for rating.

GROUP SPECIALIZATION
GROUP 1 General practitioner, Dermatology Endocrinology, Geneticist Haematopathology Interrmedicine, Pathology physician, Psychiatry, Rheumatologist Dentist
GROUP 2 Anesthetics, Cardiology, Gastroentereology, Neonatology, Oncology, Paediatrics, Radiology, Urology.
GROUP 3 Cardiac surgery, ENT surgery, Ophthalmology
GROUP 4 Cardiothoracic Surgery, Thoracic Surgery, Orthopaedics, General Surgery, Vascular Surgery, Geriatric Surgery.
GROUP 5 Gynaecology, Neurosurgery

NB: For specializations not included above, please refer to underwriting department for rating.

LIMITS 2.5M 3M 5M 10M 15M 20M 30M 40M 50M
EXCESS 15,000 20,000 30,000 40,000 50,000 60,000 75,000 90,000 100,000
PREMIUM
GROUP 1 19,260 20,610 26,000 40,000 48,250 56,500 65,800 72,500 78,850
GROUP 2 20,750 22,210 28,000 42,000 51,375 60,750 70,000 77,840 84,000
GROUP 3 21,780 23,310 29,400 44,100 53,945 63,790 73,500 81,700 88,200
GROUP 4 26,140 27,970 35,280 49,300 60,810 72,320 81,140 91,720 98,780
GROUP 5 30,380 32,510 41,000 55,350 68,675 82,000 90,200 102,500 110,000

Premium Payable (Exclusive of Taxes)

Frequently
Asked Questions

It's a renewal subscription according to package/group selected.

It's a renewal subscription according to package/group selected.

It's a renewal subscription according to package/group selected.

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