PROFESSIONAL INDEMNITY INSURANCE – A MEASURE TO SHARE THE PROFESSIONAL LIABILITY
Vertika Srivastava*, Jayant J. PhadkeABSTRACT
Ayurved is one of the holistic science which stands on the strong pillars of fundamental concepts and clinical applicability. There is no doubt about the greatness of Ayurved. But unfortunately, the human errors cannot be eliminated. After the Consumer Protection Act came into force, many filed cases for medical negligence against doctors claiming for compensations. Thus, the act of error and omission may drag; even the knowledgeable and skillful professionals into the legal matters resulting with unbearable consequences. The Forensic medicine and Jurisprudence (Vidhi Vaidyak Avum Vyavahar Ayurved) here came forward with a helping hand in a form of an insurance policy for the professionals rendering their services in various fields to the society. Therefore, Professional Indemnity Insurance was introduced which not only protects but also covers the liability falling on professionals as a result of the error and omission. This article does not encourages the act of professional negligence, rather it aims to impart the detailed information about a preventive measure which insures defence and share the liability in case of act of error and omission, the general rules and regulations, how one can claim, benefits and limitations as well as how an Ayurvedic professionals get covered by Professional Indemnity Insurance.Keywords: Professional negligence, Professional Indemnity Insurance.
Dr. Vertika Srivastava, Assistant Professor, Agad-Tantra Dept. Santushti Ayurvedic Medical College and Hospital, Hinauti, Dagmagpur, Chunar, Mirzapur, India.