Even the best run practice may encounter a mishap or accident. Don’t be inconvenienced by unplanned costs and income disruption. Surgery Policy is designed specifically for medical professionals, at a low-cost package for five vital insurance covers.
Surgery Contents
If defined property inside your surgery premises are accidentally lost or damaged, this policy indemnifies you for the loss on a "reinstatement as new" basis. Cover is on "All Risks" basis.
Surgery Contents
Include landlord's fixtures and fittings for which you are responsible, tenants' improvements, employees' personal effects, sanitary ware, fixed glass, mirrors and drugs up to $20,000.
Business Interruption
Such damage to your surgery means interruption in business. We will pay you up to $50,000 in respect of additional expenditure necessarily and reasonably incurred to make sure you can carry on with your practice even after the accident.
Loss of Money
Cover up to $10,000 for loss of money.
- In transit – $10,000
- In the residence of your directors, partners or employees – $500
- In your office during business hours – $10,000
- In your office safe or strongroom – $10,000
- In your office outside business hours but not in safe – $2,500
You are also covered for up to $20,000 for money in your bank’s night safes and thereafter within the bank premises until at bank's risks. We will also pay compensation up to $10,000 in the event of your employee’s demise or physical disablement in a robbery.
Workmen’s Compensation
Covers workmen’s compensation and employer’s liability of up to 5 administrative/ clerical employees.
Liabilities
Protection of up to $1,000,000 against legal liabilities your office may incur for injuries to any member of the public or damage to their property. However, this cover does not include liabilities for acts of professional negligence such as improper treatment.
You can choose the following optional covers to give you greater protection.
Loss of Income
An extension of the Business Interruption cover, we will compensate you for the loss of income as a result of accidents up to 12 months. The sum insured should not be less than your anticipated income during the coming 12 months.
Personal Accident Cover of up to $10,000
Protect your employees against unfortunate accidents, anywhere in the world. Purchase up to 10 units of compensation per person, each unit covering:
- Death, permanent disablement or loss of a limb $10,000
- Temporary total disablement $100 per week (up to 104 weeks)
- Temporary partial disablement – $50 per week (up to 104 weeks)
- Medical expenses – $500
To know more, please Contact Us or your Insurance Representative. |
