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Navigating Pediatric Malpractice Insurance: Essential Coverage Insights

Updated: Sep 21, 2023

Pediatric practice demands coverage that extends beyond the conventional. From developmental disorders to vaccination complexities, the risks tied to treating children are multifaceted. We delve into the significance of embracing tailored coverage that caters to these specific needs.


1. What special coverage is needed for pediatric practices? Special coverage for pediatric practices should address the unique risks associated with treating children. This can include but is not limited to developmental disorders, congenital conditions, vaccination-related incidents, errors in diagnosis or treatment of childhood diseases, and growth and development issues.


2. Does the policy cover vaccine-related incidents?

It's highly recommended that pediatricians ensure their malpractice insurance policy covers incidents related to vaccine administration. These could include allergic reactions, incorrect administration, or failure to vaccinate.


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3. What are the limits of liability for my policy?

The limits of liability depend on your individual policy and should be high enough to cover potential damages in pediatric cases. Given that potential damages in pediatric malpractice cases can be significant due to long-term care needs, higher limits might be necessary compared to other specialties.


4. How does the policy handle claims related to misdiagnosis?

Typically, a malpractice insurance policy will cover the defense costs and any settlements or judgments up to the policy limits for claims related to misdiagnosis, as long as the care provided was within the scope of your practice.


5. Does the policy offer coverage for telemedicine? Many modern malpractice insurance policies do offer coverage for telemedicine, given its increasing use in healthcare. However, this should be confirmed with the insurer, and any restrictions or additional requirements should be clarified.


6. What about coverage for developmental or behavioral issues?

Coverage for developmental or behavioral issues is typically included within a comprehensive medical malpractice policy. This would cover a pediatrician in case of a claim made regarding the misdiagnosis or incorrect treatment of such conditions.


7. What consent forms are covered in my policy?

Insurance policies usually cover incidents related to informed consent as part of the broader coverage against malpractice claims, as long as you followed proper procedures for obtaining consent. This generally means obtaining consent from a parent or guardian and, where appropriate, assent from the child.


8. What happens to my coverage if I retire or change specializations?

If you retire or change specialties, you may need to obtain "tail coverage" to cover any claims that are made after you stop practicing but relate to care you provided while covered under your old policy. Your coverage needs may also change if you switch specialties, and you may need to adjust your policy accordingly.


9. How are neonatal issues covered?

Neonatal issues are generally covered under the scope of a pediatric medical malpractice policy. This would cover claims related to the diagnosis, treatment, or care of newborns.


10. Does the insurance cover all of my practice locations? Most policies cover services rendered at any location. However, if you have multiple offices or practice in different states, you should ensure that your policy covers all these locations and meets any specific state requirements.


Contact SelectFirst Insurance today for help with your Medmal insurance. Call (888) 966-3881 or Email us at info@selectfirstinsurance.com.


Disclaimer: The information provided on this blog is for general informational purposes only. The blog's content is not intended as legal, financial, or professional advice. By accessing this blog, you acknowledge and accept these terms of use and any additional terms and conditions that may appear on this blog from time to time.

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Contact SelectFirst Insurance today for help with your Medmal insurance. Call (888) 966-3881or Email us at info@selectfirstinsurance.com.

 

Disclaimer: The information provided on this blog is for general informational purposes only. The blog's content is not intended as legal, financial, or professional advice. By accessing this blog, you acknowledge and accept these terms of use and any additional terms and conditions that may appear on this blog from time to time.

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