Need of Malpractice Insurance for Nurse Practitioners
With each and every passing day we are seeing that more and more physicians are opting for insurances which would protect them from a malpractice suit, if ever filed. Though such claims are mostly against doctors and hospitals, but in the last few years it has been seen that even nurse practitioners are getting themselves insured. Have you ever wondered why should you need an insurance and what all you need to know to get one for yourself?
In general it has been seen that in most of the cases of malpractice insurance for nurse practitioners, it is done by the employer. However in such cases there are a few things that you need to clarify in order to be safe. Well then before we take you through those, we would take you through certain issues that one might have to face when he/she is not covered by a malpractice insurance provider.
We would not go into loads of details here instead we would take you through one of the biggest problem that might happen, which should be good enough to make you understand the risk of not having malpractice insurance for nurse practitioners. You might be a nurse for almost 30 years and on one occasion you might have made a minor mistake due to which the patient might have to had to face much tougher time. The patient might choose not to sue you, but these days most of the people are very critical of the treatment meted out to them and when they find a minor glitch, they simply sue the doctor, nurse or even the hospital where they were treated. In these cases, the doctor, nurse or anyone and everyone found guilty has to pay huge amount to the patient or his/her family member, which in some cases may be worth thousands of dollars. This isn’t a problem for nurses who policies from medical malpractice insurance brokers.
What all do you need to know? Since we have already mentioned that there are cases where the employer would take care of the cost of malpractice insurance for doctors, it is always better to ask your employer about the type of insurance that they have for you. Ask your employer if you are named insured and if the answer is yes, ask for a copy of the policy that the malpractice insurance provider would provide. In case where the employer does not provide named insurance, ask how would you get paid in case of malpractice cases being registered against you.
In cases where you work in a hospital, ask the concerned people in the organization about the type of coverage that you would have. The simplest thing that you can ask is if the organization purchases commercial policy or self-insured ones. In cases where the organization opts for commercial policy, ask for cases where you would not get covered. For cases where the organization self-insures, ask about the limit that they have.
Since these insurances are mandatory for any nurse practitioner, in case you are not covered all you should do is get in touch with a good malpractice insurance provider and get yourself insured.
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