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Practise medicine, not anxiety.
Specialist indemnity for healthcare professionals — cover for malpractice and negligence claims tied to patient care.
- Patient claims
- Legal defence costs
- Damages & settlements
Medical malpractice and professional indemnity insurance protects healthcare professionals and practices against claims that their treatment, diagnosis or advice caused a patient harm. With medico-legal claims rising sharply in South Africa, robust cover is essential for anyone in healthcare.
Ample arranges medical malpractice indemnity across specialist insurers, tailored to your discipline and risk, so you can practise with confidence.
What Medical Malpractice & Indemnity covers
Patient claims
Allegations of negligence, misdiagnosis or substandard treatment.
Legal defence costs
Expert medico-legal defence, often the largest cost of a claim.
Damages & settlements
Compensation awarded to a patient, within your limit of indemnity.
HPCSA inquiries
Costs of responding to professional-body and disciplinary inquiries.
Good-samaritan acts
Cover for emergency assistance outside your normal practice.
Discipline-specific cover
Limits and terms matched to your specialty's risk profile.
Who medical malpractice & indemnity is for
- Doctors, surgeons and specialists
- Dentists, physios and allied professionals
- Clinics, practices and hospitals
- Locums and healthcare consultants
Medical Malpractice & Indemnity FAQs
Why are medical malpractice premiums rising in SA?
Medico-legal claims and award sizes have grown sharply, especially in high-risk specialties. Adequate, well-structured indemnity has never been more important — we help you secure the right cover at a fair price.
What's the difference between occurrence and claims-made cover?
Occurrence cover responds to incidents during the policy period whenever the claim arises; claims-made requires cover in force when the claim is made. The distinction is critical in healthcare — we explain which you have and why it matters.
Does it cover HPCSA inquiries?
Yes, cover typically includes the costs of responding to Health Professions Council inquiries and disciplinary proceedings, not only patient compensation claims.
I work as a locum — am I covered?
You need your own indemnity; relying on a facility's cover is risky. We arrange cover suited to locum and sessional work so you're protected wherever you practise.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
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- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
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