FAQ & Support

The indemnity covers your practice regardless of the location and number of your clinics.

Whenever claims by your patients were to occur, you will be covered according to the plan you had chosen for your class of service.

If you change your clinic you can update the address in the upcoming renewal.

Locum extension means extending your policy to cover other locum doctors working at your clinic.

For example, Medical Officers (MOs) working in government hospitals may do locum work in private clinics. If they do not have their own medical indemnity cover for their private practice, this extension can provide coverage for their locum work, subject to the policy terms and conditions.

For private doctors who already have full indemnity cover, our policy covers their practice regardless of the number of clinics they work at, subject to the policy terms and conditions.

No. We do not provide lower limits. Every coverage type and class comes with a fixed liability limit, as listed in our plans and shown in your quotation.

The day of your purchase of this policy, you are continuously being covered from that day onwards until your next renewal.

If you renew your policy every year, your retroactive date remains. But if you didn't renew, the retroactive date will reset and you will lose the previous coverage.

Yes. According to the Malaysian Medical Council (MMC), doctors who wish to retain their Annual Practising Certificate (APC) are still required to maintain professional indemnity coverage, even if they are retired or no longer actively practising.

Our policy includes a Run-Off Cover benefit, which provides continued protection for claims that may arise after you have permanently ceased or retired from practice. To maintain this protection indefinitely, you will need to submit the necessary supporting documents to convert your policy to Run-Off status.

Yes. Medical doctors and dentists should have their own individual professional indemnity insurance under their personal name.

Individual professional indemnity insurance protects the healthcare professional against claims arising from their own professional services, negligence allegations, legal defence costs, and compensation claims.

Yes. Your individual indemnity insurance protects you personally, but it does not automatically protect the clinic as a business entity. A clinic should have separate insurance to protect its premises, equipment, staff, and liabilities arising from clinic operations.

Individual professional indemnity insurance protects the doctor or dentist personally for claims arising from their own professional practice.

Clinic insurance protects the clinic business and can include property damage, public liability, and malpractice claims involving clinic employees such as nurses, medical assistants, dental assistants, and other support staff.

Our clinic protection consists of two main covers:

Clinic property cover (fire & public liability insurance) – protects the clinic premises, equipment, furniture, renovations, and liabilities involving third parties.

Clinic malpractice cover – protects the clinic against malpractice claims arising from the actions of nurses, medical assistants, dental assistants, and other clinic staff.

Clinic property cover (fire & public liability insurance) protects your clinic premises and assets, and your liability to third parties. It includes:

Fire & Perils (mandatory) – protection for your premises, equipment and stock, with extended coverage against environmental and insured perils.

Burglary – loss or damage to property or premises from housebreaking or burglary, with evidence of actual forcible entry or exit and resulting damage to the premises.

Public liability – your legal liability to the public or third parties for accidental bodily injury and property damage caused by the negligence of you or your employees, or by defects in the premises, plant or other devices you are responsible for.

Cover is subject to the policy terms, conditions and limits.

Public liability insurance protects your clinic against claims from third parties for bodily injury or property damage occurring in connection with the clinic premises or operations.

For example, if a patient slips and falls in the clinic waiting area, public liability insurance may help cover legal liability and compensation, subject to the policy terms.

Clinic malpractice cover protects the clinic against claims arising from professional errors or omissions committed by employees, including nurses, medical assistants, dental assistants, and other clinic staff acting within the scope of their duties.

Clinic malpractice cover is primarily intended to protect the clinic and its staff. Each treating doctor or dentist should still maintain individual professional indemnity insurance, which protects them personally for professional negligence claims.

Not necessarily. A doctor’s or dentist’s individual professional indemnity policy generally protects the insured healthcare professional personally.

Claims arising from the negligence of nurses, medical assistants, dental assistants, reception staff, or other employees may require separate clinic malpractice coverage.

Yes. That is the purpose of clinic malpractice cover. It helps protect the clinic against claims arising from the professional actions of insured employees, subject to the policy terms, conditions, and limits.

Professional indemnity insurance for doctors and dentists is generally required for professional practice. While clinic property and liability insurance may not always be legally mandatory, they are strongly recommended to protect the clinic’s assets, business continuity, and exposure to liability claims.

Yes. Depending on your clinic’s needs, you may purchase property/public liability cover, clinic malpractice cover, or both. However, most medical and dental clinics benefit from having both covers for more comprehensive protection.

Having both covers provides broader protection:

Property cover protects your clinic premises and assets.

Public liability cover protects against accidents involving patients and visitors.

Clinic malpractice cover protects the clinic against staff-related malpractice claims. Together, they help safeguard both your clinic operations and your financial exposure.

Coverage depends on the policy wording, but common exclusions may include intentional acts, fraud, criminal acts, contractual liabilities not covered by the policy, and claims outside the scope of the insured cover.

The treating doctor’s or dentist’s personal professional liability should be covered under an individual indemnity policy.

The appropriate limit depends on the size of your clinic, number of doctors or dentists, number of staff, procedures performed, patient volume, and contractual requirements.

Our advisors can help recommend a suitable coverage limit based on your clinic’s risk profile.

Yes. A clinic can obtain clinic property and malpractice coverage for the business entity, while each doctor and dentist should maintain their own individual professional indemnity insurance for personal professional protection.

Yes. Our clinic insurance solutions can be tailored for GP clinics, specialist medical clinics, dental clinics, aesthetic clinics, and other healthcare practices, subject to underwriting approval and policy terms.

You can contact MRCM Services for a customised quotation based on your clinic size, number of doctors or dentists, number of staff, and the procedures performed at your clinic.