Best Medical Malpractice Insurance in Dubai, UAE
Medical malpractice insurance is a critical protection for healthcare professionals. It ensures compliance with UAE laws and shields against the financial and legal risks of malpractice claims. By securing the right coverage, you can protect your career, finances, and reputation, allowing you to ...read more
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Get Optimal Medical Malpractice Terms in UAE
ReviewsIn the healthcare field, even the most skilled professionals can face the risk of making mistakes. Medical malpractice insurance helps mitigate these risks by offering financial and legal support in case of a lawsuit. It provides peace of mind, enabling healthcare professionals to concentrate on patient care without the fear of unpredictable legal challenges.
This article highlights the top medical malpractice insurance companies and how their plans can ensure your protection.
What is Medical Malpractice Insurance?
Medical malpractice insurance is a form of professional liability insurance designed to protect healthcare providers. It saves you from claims related to medical errors, negligence, or omissions in your professional duties. This includes errors in diagnosis, treatment, prescription, or procedures that result in patient harm.
The insurance typically covers —
- Legal fees
- Court costs
- Damages awarded in the event of a lawsuit
Who needs it —
- Doctors, nurses
- Dentists
- Pharmacists
- Allied health professionals
Legal Requirement in the UAE —
- Under UAE Federal Law No. 4 of 2016, medical malpractice insurance is mandatory for all healthcare providers
- The law ensures that healthcare professionals have adequate coverage to mitigate risks associated with their practice
Top 8 Medical Malpractice Insurance Companies in Dubai, UAE
Below is the list of top medical malpractice insurance companies in the UAE —
1- Arabia Insurance
With over 80 years of experience in the region, Arabia Insurance is one of the leading medical malpractice insurance companies in Dubai. It provides a wide range of insurance products, including medical malpractice insurance. Known for its reliability and a 95% claims settlement rate, the company offers tailored solutions for both individuals and businesses.
Below is an overview of the coverage included in their medical malpractice insurance:
| Coverage | Details |
|---|---|
| Protection Against Claims | Covers claims related to services provided by hospitals, clinics, doctors, nurses, and other healthcare assistants |
| Coverage for Negligence or Errors | Protects against claims arising from mistakes, errors, or negligence during treatment within the insured period |
| Applies to Claims by Patients | Includes claims made by patients or individuals who received treatment at a hospital or clinic |
| Legal Expenses | Covers legal expenses involved in defending against malpractice claims |
| Indemnity for Damages | Provides indemnity for damages awarded against the insured due to errors or negligence in the treatment process |
| Click here to Buy Arabia Medical Malpractice Insurance |
2- Insurance House
One of the top public joint stock insurance companies in the UAE, Insurance House was founded in 2007. The company has AED 118 million in paid-up capital and provides a variety of affordable insurance products and services. This medical malpractice insurance provider serves a diverse clientele and has a strong presence in key locations like Abu Dhabi, Dubai, and Sharjah.
| Coverage | Details |
|---|---|
| Bodily Injury or Death Liability | Covers liability for patient harm or death due to alleged negligence or errors by the healthcare provider |
| Third-Party Claims | Covers legal and financial liabilities arising from claims made by patients or their families |
| Protection for Healthcare Professionals | Covers doctors, nurses, and paramedics for claims of professional negligence or mistakes during treatment |
| Click here to Buy Insurance House Medical Malpractice Insurance |
3- Watania Takaful
Watania Takaful is one of the UAE’s leading medical malpractice insurance providers. After merging with Noor Takaful in 2022, the business—originally known as Dar Al Takaful—saw a significant change. They have full-service offices in Jebel Ali, Deira, Sharjah, and Abu Dhabi.
| Coverage | Details |
|---|---|
| Protection Against Claims | Covers claims related to errors, omissions, or negligence in patient treatment by healthcare professionals |
| Legal Expenses | Provides coverage for legal fees and court costs associated with defending malpractice claims |
| Settlement Costs | Covers settlements or damages awarded to patients or their families due to professional negligence or errors |
| Broad Coverage for Healthcare Providers | Includes coverage for a wide range of healthcare professionals such as doctors, nurses, dentists, opticians, and physical therapists |
| Click here to Buy Watania Takaful Medical Malpractice Insurance |
4- Orient Insurance
Orient Insurance Company, established in 1982, is one of the prominent medical malpractice insurance companies in the Dubai market. With over 40 years of experience, the company is known for delivering innovative and reliable risk solutions. This company operates in seven countries and offers a comprehensive range of insurance products for both personal and commercial needs.
| Feature | Details |
|---|---|
| Target Audience | Healthcare professionals and institutions |
| Coverage Scope | Includes protection for medical errors, omissions, and negligence claims |
| Claims Coverage | Covers legal costs, settlements, and compensation |
| Policy Options | Tailored plans for individual practitioners and healthcare institutions |
| Premiums | Competitive rates based on risk factors and coverage requirements |
| Additional Benefits | Access to professional legal support and liability protection |
| Online Access | Available for online policy purchase and management |
| Click here to Buy Orient Medical Malpractice Insurance |
5- Sukoon Insurance
With over 48 years of experience, Sukoon Insurance is one of the leading medical malpractice insurance companies in Dubai, trusted by over 830,000 customers. It offers 25+ online services and ensures quick, efficient claim payments. Each year, the company pays out 2 billion Dirhams in claims. It is backed by a dedicated team of 700 professionals focused on providing top-tier service.
| Coverage Type | Details |
|---|---|
| Compensation for Errors or Omissions | Covers liabilities arising from errors or omissions made during medical treatment |
| Cover Against Medication Errors | Protection against claims related to medication errors or the prescription of inappropriate medication |
| Professional Negligence | Covers harm caused to patients due to the professional negligence of healthcare providers |
| Protection Against Improper Diagnosis | Coverage for damages caused by misdiagnosis or failure to diagnose a medical condition properly |
| Click here to Buy Sukoon Medical Malpractice Insurance |
6- Al Wathba
Al Wathba National Insurance Company is renowned for its personalised insurance solutions and exceptional customer service. The company partners with over 20 trusted businesses and offers exclusive benefits across a variety of services such as flights, credit cards, and more.
With a focus on customised coverage, Al Wathba ensures that businesses, assets, and employees are effectively protected from risks.
| Feature | Details |
|---|---|
| Coverage Scope | Protection against legal liabilities arising from negligent acts, errors, or omissions in medical care |
| Claims Coverage | Covers bodily injury, mental injury, illness, disease, and death caused by medical negligence |
| Premium Rates | Based on factors such as profession, associated risks, indemnity limits, type of services provided, and number of professionals involved |
| Additional Benefits | Coverage for legal costs, compensation, and peace of mind for healthcare providers |
| Policy Options | Flexible plans tailored to the nature of medical services and the specific risks faced by healthcare providers |
| Click here to Buy Al Wathba Medical Malpractice Insurance |
7- Union Insurance
Union Insurance is a reputable insurer in Dubai with more than AED 330 million in capital. It is licensed by the UAE Insurance Authority and is listed on the Abu Dhabi Securities Exchange. Additionally, it provides a variety of excellent insurance options, such as medical malpractice.
| Feature | Details |
|---|---|
| Coverage Scope | Protection against claims of negligence, errors, or omissions in patient care |
| Claims Coverage | Lawsuits, legal costs, and damages related to medical errors, negligence, and malpractice |
| Additional Benefits | Tailored coverage for healthcare providers, including loss of income and patient compensation in some cases |
| Policy Options | Customisable plans for both individual practitioners and medical institutions |
| Premiums | Flexible premiums based on coverage needs, risk factors, and healthcare provider type |
| Customer Support | 24/7 client service and claims management for a smooth, transparent claims process |
| Click here to Buy Union Medical Malpractice Insurance |
8- Al Buhaira
Al Buhaira National Insurance Company (ABNIC), established in 1978, is one of the leading medical malpractice insurance companies in the UAE. Known for its reliability, quality, and exceptional customer service, ABNIC offers a wide range of insurance solutions. These include property, engineering, liability, aviation, marine, medical, and more.
With nine branches across the UAE and a team of 346 professionals, ABNIC continues to build on its strong partnerships with international reinsurers.
| Feature | Details |
|---|---|
| Coverage Scope | Protection against claims for errors, omissions, and negligence in medical practice |
| Claims Coverage | Legal fees, court costs, damages awarded to claimants, and compensation for medical errors, misdiagnosis, and wrongful death |
| Additional Benefits | Some policies cover loss of income during disputes and patient compensation |
| Premiums | Flexible premiums based on risk factors and coverage needs |
| Policy Options | Customisable coverage for individual practitioners and healthcare institutions |
| Online Access | Available for online policy purchase and management |
| Click here to Buy Al Buhaira Medical Malpractice Insurance |
Frequently Asked Questions
Doctors in high-risk specialties such as surgeons, obstetricians, anesthesiologists, and emergency medicine physicians typically pay the highest malpractice insurance premiums due to the complexity and potential for complications in their practice.
In the UAE, healthcare practitioners are required to carry medical malpractice insurance to protect themselves from the financial and legal repercussions of claims arising from alleged professional errors or negligence.
Medical malpractice insurance provides protection for healthcare professionals by covering risks associated with medical negligence, such as injury, illness, or death caused by misdiagnosis, wrong treatment, or delays in care.
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