Clinical Negligence & Errors
Safeguards against financial liabilities arising from claims of professional mistakes, diagnostic omissions, or substandard patient care.
Prodemnity Medical · Underwritten by Great Eastern
Indemnity Protection for Medical Practitioners
Indemnity Protection for Medical Practitioners (often referred to as Medical Malpractice Insurance or Medical Professional Indemnity) is a specialised liability coverage designed to protect healthcare professionals from the financial and reputational risks associated with their clinical practice.
Prices shown are subject to 8% SST and RM10 stamp duty.
Quick answer
Medical indemnity insurance in Malaysia, in brief
Medical indemnity insurance (also called medical malpractice insurance or medical professional indemnity) protects doctors against the cost of patient claims, legal defence and disciplinary proceedings arising from their clinical practice. In Malaysia, valid indemnity cover is required to renew your Annual Practising Certificate (APC). Prodemnity Medical by MRCM Services is underwritten by Great Eastern General Insurance (Malaysia) Berhad.
- Who it covers
- General practitioners, specialists, government medical officers (locum) and lecturers or trainees
- Liability limits
- RM 1 million – RM 2 million
- Annual premium
- From RM 700 (plus 8% SST and RM10 stamp duty)
- Underwritten by
- Great Eastern General Insurance (Malaysia) Berhad
- Experience
- MRCM has protected Malaysian healthcare professionals since 1994
Protection built around your clinical practice
Legal Defence 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 Practising Certificate (APC). MRCM ensures your policy meets all statutory mandates so you can legally practise without interruption.
Reputation & Asset Shielding
A single claim can jeopardise 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
Choose your practice to see the classes that apply to you. Prices shown are subject to 8% SST and RM10 stamp duty.
Your practice
Sector
General Practitioner – Core Services
Private doctor
Core Services
RM 1,000,000 liability limit
RM950/ year
- Locum extension + RM 350
Government doctor · locum only
Core Services
RM 1,000,000 liability limit
RM700/ year
- Locum extension not available
What core services cover
- History taking, Examination, and Diagnosis.
- Prescription, Injections IM & IV, and IV Drips in Emergencies.
- Immunisations, I&D, T&S under Local Anaesthesia. Simple Removal of Foreign Bodies from ENT & Eye.
- Nebulisation.
- CPR.
- Medical Examinations / Screenings.
- Urine and Blood Testing / Analysis.
- Plain X-rays.
- Ante-Natal Screenings up to 24 weeks. Pap Smears.
- Family Planning Advice and Prescriptions.
- Other similar services traditionally carried out by General Practitioners.
General Practitioner – Core Services with Procedures
Private doctor
Core Services with Procedures
RM 2,000,000 liability limit
RM1,250/ year
- Locum extension + RM 450
Government doctor · locum only
Core Services with Procedures
RM 1,000,000 liability limit
RM900/ year
- Locum extension not available
What procedures are covered
- Removal of Ingrowing Toe Nails.
- Excisions of Lumps & Bumps (Non-Facial Warts, Cysts, Lipomas, Granulomas).
- Insertions and Removals of IUCDs.
- Cortisone Injections (Tendonitis, Tenosynovitis, Plantar Fasciitis).
- Immobilisation of Undisplaced Fractures of Metacarpal and Phalangeal Joints.
- Circumcision.
- Other similar procedures traditionally carried out by General Practitioners.
General Practitioner in Private Hospital
Private doctor
Outpatient Services
RM 2,000,000 liability limit
RM1,400/ year
- Locum extension not available
Private doctor
Emergency Department
RM 2,000,000 liability limit
RM1,600/ year
- Locum extension not available
Government doctor · locum only
Outpatient Services
RM 1,000,000 liability limit
RM900/ year
- Locum extension not available
Government doctor · locum only
Emergency Department
RM 1,000,000 liability limit
RM1,200/ year
- Locum extension not available
General Practitioner with Obstetrics
Private doctor
GP Obstetrics
RM 2,000,000 liability limit
RM3,800/ year
- Locum extension + RM 450
What obstetrics cover includes
36 weeks (full term of pregnancy), excluding deliveries.
General Practitioner – Cosmetic & Aesthetic
Private / government doctor
Non-Invasive Elective Topical Enhancement
RM 2,000,000 liability limit
RM2,000/ year
- Locum extension + RM 450
Private / government doctor
Minimally Invasive Elective Topical Enhancement
RM 2,000,000 liability limit
RM3,800/ year
- Locum extension not available
Non-invasive and minimally invasive procedures
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
Non-Practising Doctor
Non-practising doctor
Lecturer / Trainee
RM 1,000,000 liability limit
RM950/ year
- Locum extension not available
Non-practising doctor
Lecturer / Trainee
RM 2,000,000 liability limit
RM1,250/ year
- Locum extension not available
Specialist – Low Risk
Government / private specialist
Low Risk Specialists
RM 1,000,000 liability limit
RM1,700/ year
- Locum extension not available
Government / private specialist
Low Risk Specialists
RM 2,000,000 liability limit
RM2,400/ year
- Locum extension not available
Which specialties are low risk
- Occupational Health Physicians / Family Physicians
- General Physicians
- Dermatology (non-cosmetic)
- Infectious Diseases
- Pathology
- Psychiatry
- Endocrinology
- Rehabilitation Medicine
- Paediatrics (non-neonatal; neonatal is the first 30 days of life)
- Geriatrics
- Haematology
- Immunology
- Nephrology
- Nuclear Medicine
- Neurology
- Radiology (non-interventional)
Specialist – Medium Risk
Government / private specialist
Ophthalmology / Office Procedures
RM 2,000,000 liability limit
RM2,400/ year
- Locum extension not available
Government / private specialist
Office ENT (Clinic Based)
RM 2,000,000 liability limit
RM2,400/ year
- Locum extension not available
Government / private specialist
Ophthalmology Surgeries
Cataract etc. under L.A. (Non G.A.)
RM 2,000,000 liability limit
RM2,750/ year
- Locum extension not available
Government / private specialist
ENT Surgeries (Non G.A.)
RM 2,000,000 liability limit
RM3,500/ year
- Locum extension not available
Government / private specialist
Radiology – Interventional
RM 2,000,000 liability limit
RM3,500/ year
- Locum extension not available
Government / private specialist
Gastroenterology
RM 2,000,000 liability limit
RM3,500/ year
- Locum extension not available
Government / private specialist
Office / Clinical Orthopaedics
RM 2,000,000 liability limit
RM5,500/ year
- Locum extension not available
Government / private specialist
Office / Clinical Gynaecology
To provide list of services rendered.
RM 1,000,000 liability limit
RM8,250/ year
- Locum extension not available
Government / private specialist
Office / Clinical Gynaecology
To provide list of services rendered.
RM 2,000,000 liability limit
RM11,000/ year
- Locum extension not available
Specialist – Cosmetic and Aesthetic
Government / private specialist
Non-Surgical Invasive Elective Topical Enhancement
RM 2,000,000 liability limit
RM11,550/ year
- Locum extension not available
Government / private specialist
Surgical, Invasive
Surgical includes excisions of warts, moles, scars and other external cosmetic surgery under L.A.
RM 2,000,000 liability limit
RM19,800/ year
- Locum extension not available
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Common questions
How much does medical indemnity insurance cost in Malaysia?
With MRCM, Prodemnity Medical starts at RM 700 a year for government medical officers doing locum work, RM 950 for private general practitioners (core services, RM 1 million limit) and RM 1,700 for specialists. Your premium depends on your class of practice and liability limit, and is subject to 8% SST and RM10 stamp duty.
If I practise in more than one clinic, will I be covered? Or if I change clinic, would I need to reapply for the indemnity?
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.
What does 'with locum extensions' mean in the plan info?
Locum extensions mean to extend your policy to cover other locum doctors in the clinic.
What is the meaning of retroactive date?
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.
I have retired and do not have a medical practice. I would like to retain my APC. Do I still need professional indemnity?
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.
How do I apply for or renew my indemnity with MRCM?
Get your class and premium in a few steps on the Ask for Quotation page, then log in to the MRCM portal to apply, renew, download your policy or notify a claim. You can also WhatsApp an advisor on 018-369 3433.
Not sure which class fits your practice?
Answer a few questions and see your class and premium, or talk to an MRCM advisor on WhatsApp.
