Malpractice Coverage

[conniebird]

I work for a large health system. I am in the process of getting all my insurances in order and one of the "check boxes" was to ensure I had adequate malpractice.

I am getting a complete run around - I was actually told I cannot get a copy of the policy unless I was leaving/left the health system and that everything I did was covered. Was looking for actual amounts etc.

is this normal to get this kind of answer? I never had a problem obtaining this info before from residency, prior moonlighting gigs, etc. Should I be worried??

[Hatton]

That does not sound right.  I can get copies of my policy any time.  My carrier has this info online.  I work on a committee that looks at cases to help give input into whether to settle or defend.  I know the representatives of the company and malpractice defense lawyers in my area.  I negotiated a lower rate went I went to part time.  I say this because in Ob/Gyn this is an important issue because it is a litigious field and premiums are a major overhead item. I suspect your university self-insures and I don't know how that works.  It seems to me that you should know the amount you are insured for as an employee and info on any tail expense. I am under the impression that derm is fairly non-litigious but you never know.

[jfoxcpacfp]

conniebird wrote:

I work for a large health system. I am in the process of getting all my insurances in order and one of the “check boxes” was to ensure I had adequate malpractice.

I am getting a complete run around – I was actually told I cannot get a copy of the policy unless I was leaving/left the health system and that everything I did was covered. Was looking for actual amounts etc.

is this normal to get this kind of answer? I never had a problem obtaining this info before from residency, prior moonlighting gigs, etc. Should I be worried??

Click to expand...

I don't know about worried, maybe so. Irritated, definitely. Why would they not want to show you your policy unless there is a reason they do not want you to see it? Perhaps one of the insurance pro's can step in...

Try talking to someone else in HR - perhaps this person is not as informed. I would definitely not accept the answer that "everything" is covered unless you have it in writing by the legal department of your health system.