Indemnity Protection for Medical Practitioners
Indemnity Protection for Medical Practitioners (often referred to as Medical Malpractice Insurance or Medical Professional Indemnity) is a specialized liability coverage designed to protect healthcare professionals from the financial and reputational risks associated with their clinical practice.
Clinical Negligence & Errors
Safeguards against financial liabilities arising from claims of professional mistakes, diagnostic omissions, or substandard patient care.
Legal Defense Financing
Funds the legal representation, court expenses, and attorney fees required to robustly defend against a lawsuit.
Regulatory & Disciplinary Representation
Covers the cost of legal counsel during investigations or hearings held by official regulatory bodies, such as the Malaysian Medical Council (MMC).
Extended Risk Cover
Often includes protection for emergency "Good Samaritan" aid, retroactive incidents discovered later, and vicarious liability for actions taken by supporting clinic staff.
Compliance & APC Renewal
Under the Malaysian Medical Act, valid indemnity coverage is a mandatory requirement to renew your Annual Practicing Certificate (APC). MRCM ensures your policy meets all statutory mandates so you can legally practice without interruption.
Reputation & Asset Shielding
A single claim can jeopardize your career. MRCM goes beyond financial payouts by providing proactive risk management, discreet dispute mediation, and strategic PR support to protect your livelihood and hard-earned reputation.
Types of Prodemnity Medical available:
Price shown are subject to 8% SST and RM10 of stamp duty.
General Practioner - Core Services
Core Service
Private Doctor
- Liability Limit : RM 1,000, 000
- Locum Extension: + RM350
(Locum Only) Core Services
Goverment Doctor
- Liability Limit : RM 1,000, 000
Definition / Information
- History taking, Examination, and Diagnosis.
- Prescription, Injections IM & IV, and IV Drips in Emergencies.
- Immunizations, I&D, T&S under Local Anesthesia. Simple Removal of Foreign Bodies from ENT & Eye
- Neubelisation.
- CPR.
- Medical Examinations / Screenings.
- Urine and Blood Testings / Analysis.
- Plain Xrays.
- Ante-Natal Screenings up to 24 weeks. Pap Smears.
- Family Planning Advice and Prescriptions.
- Other similar services traditionally carried out by General Practitioners
General Practioner - Core Services with Procedures
Core Service with Procedures
Private / Government Doctor
- Liability Limit : RM 2,000, 000
- Locum Extension: + RM450
(Locum Only) Core Service with Procedures
Goverment Doctor
- Liability Limit : RM 1,000, 000
Definition / Information
- Removal of Ingrowing Toe Nails.
- Excisions of Lumps & Bumps (Non-Facial Warts, Cysts, Lipomas, Granulomas)
- Insertions and Removals of IUCDs
- Cortisone Injections. (Tendonitis, Teno-synovitis, Plantar Fascitis)
- Immobilizations of Undisplaced Fractures of Metacarpal and Phalangeal Joints.
- Circumcision
- Other similar procedures traditionally carried out by General Practitioners
General Practioner in Private Hospital
Outpatient Services
Private Doctors
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Emergency Department
Private Doctors
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
(Locum Only) Outpatient Services
Government Doctors
- Liability Limit : RM 1,000, 000
- Locum Extension: NA
(Locum Only) Emergency Department
Government Doctors
- Liability Limit : RM 1,000, 000
- Locum Extension: NA
General Practioner with Obstetrics
GP Obstetrics
Private Doctors
- Liability Limit : RM 2,000, 000
- Locum Extension: +RM450
Definition / Information
36 weeks (full term of pregnancy) exclude deliveries
General Practioner - Cosmetic & Aesthetic
Non - Invasive Elective Topical Enhancement
Private / Government Doctor
- Liability Limit : RM 2,000, 000
- Locum Extension: + RM400
Minimally Invasive Elective Topical Enhancement
Private / Government Doctor
- Liability Limit : RM 2,000, 000
- Locum Extension: + RM450
Definition / Information
Non-invasive procedures:
External applications or treatment procedures that are carried out without creating a break in the skin or penetration of the integument. They target the epidermis only.
Superficial chemical peels
Microdermabrasion
Intense pulsed light
Minimally invasive procedures:
Treatment procedures that induce minimal damage to the tissues at the point of entry of instruments. These procedures involve penetration or transgression of integument but are limited to the sub-dermis and subcutaneous fat; not extending beyond the superficial musculo- aponeurotic layer of the face and neck, or beyond the superficial fascial layer of the torso and limbs.
They are limited to the following procedures:
Chemical peel (Medium depth)
Botulinum toxin injection
Filler injection – excluding silicone and fat
Skin tightening procedures-up to upper dermis (radiofrequency, infrared, ultrasound and other devices)
Superficial sclerotherapy
Lasers for treating skin pigmentation
Lasers for treating benign skin lesions
Lasers for skin rejuvenation (including non-ablative)
Lasers for hair removal
Specialist - Low Risk
Low Risk Specialists
Private / Government Specialists
- Liability Limit : RM 1,000, 000
- Locum Extension: NA
Low Risk Specialists
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Low Risk Specialists
- Occupational Health
- Physicians/ Family Physicians
- General Physicians
- Dermatology- Non-Cosmetic
- Infections Diseases
- Pathology
- Psychiatry
- Enclocrinology
- Rehab, medicine
- Paediatrics – Non
- Neonatal (first 30 days of life)
- Geriatrics
- Haemotology
- Immunology
- Nephrology
- Nuclear medicine
- Neurology
- Radiology (Non Interventional)
Specialist - Medium RIsk
Ophthalmology /Office Procedures
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Office ENT (Clinic Based)
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Ophthalmology Surgeries
Private / Government Specialists
- Cataract etc under L.A. (Non G.A.)
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
ENT Surgeries (Non G.A.)
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Radiology - Interventional
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Gastroentrology
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Office/Clinical Orthopaedics
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Office/Clinical Gynaecology
Private / Government Specialists
- Liability Limit : RM 1,000, 000
- Locum Extension: NA
- To provide list of services rendered*
Office/Clinical Gynaecology
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
- To provide list of services rendered*
Specialist - Cosmetic and Aesthetic
Non-surgical Invasive elective topical enhancement
Private / Government Specialists
- Liability Limit : RM 2,000, 000
- Locum Extension: NA
Surgical, Invasive
Private / Government Specialists
- Surgical includes excisions of warts, mole, scars and other External Cosmetic Surgery under L.A.)
- Liability Limit : RM 2,000, 000
- Locum Extension: NA