Clinical Negligence & Errors
Safeguards against financial liabilities arising from claims of professional mistakes, diagnostic omissions, or substandard patient care.
Prodemnity Dental · Underwritten by Great Eastern
Indemnity Protection for Dentists
Indemnity Protection for Dental (often referred to as Dental Malpractice Insurance or Dental 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
Dental indemnity insurance in Malaysia, in brief
Dental indemnity insurance (also called dental malpractice insurance or dental professional indemnity) protects dentists against the cost of patient claims, legal defence and disciplinary proceedings arising from their clinical practice. Prodemnity Dental by MRCM Services is underwritten by Great Eastern General Insurance (Malaysia) Berhad.
- Who it covers
- General dental practitioners, dental specialists (including OMFS) and government dentists (locum)
- Liability limits
- RM 1 million – RM 3 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 Dental Council (MDC).
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 Dental 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 Dental Practice
Private dentist
General Dentist
RM 1,000,000 liability limit
RM1,200/ year
- Locum extension + RM 350
Private dentist
General Dentist
RM 2,000,000 liability limit
RM1,400/ year
- Locum extension + RM 450
Government dentist · locum only
General Dentist
RM 1,000,000 liability limit
RM700/ year
- Locum extension not available
What general dental practice covers
- Complete dental examinations and diagnosis of disease, including X-rays
- Preventive dentistry (e.g. cleanings, oral hygiene instruction, fluoride treatments, fissure sealants, scaling)
- Extractions, fillings, crowns, veneers, bridges, dentures
- Minor oral surgeries (e.g. lacerations, gum injuries, broken teeth, simple root canal treatment and wisdom tooth extractions)
Please choose RM 2 million cover if you do minor oral surgeries.
General Dental Practice with Accredited Specialised Procedures
Private dentist
GD with Accredited Specialised Procedures
RM 2,500,000 liability limit
RM1,700/ year
- Locum extension + RM 500
Government dentist · locum only
General Practice with Specialised Procedures
RM 2,000,000 liability limit
RM1,250/ year
- Locum extension not available
Accredited specialised procedures
Accredited specialised procedures include:
- Braces
- Periodontics
- Endodontics
- Implants
- Orthodontics
- Oral Surgeries
Dental Specialists
Government / private specialist
Dental Specialists
RM 2,000,000 liability limit
RM2,200/ year
- Locum extension not available
Government / private specialist
Dental Specialists
RM 3,000,000 liability limit
RM2,700/ year
- Locum extension not available
Dental Specialists Practising Oral and Maxillofacial Surgery (OMFS)
Government / private specialist
OMFS – Clinic Based
RM 2,000,000 liability limit
RM4,950/ year
- Locum extension not available
Government / private specialist
OMFS – Clinic Based
RM 3,000,000 liability limit
RM6,050/ year
- Locum extension not available
Government / private specialist
OMFS – Hospital Based
RM 2,000,000 liability limit
RM6,600/ year
- Locum extension not available
Government / private specialist
OMFS – Hospital Based
RM 3,000,000 liability limit
RM7,700/ year
- Locum extension not available
No plans match this filter. Try "All".
Common questions
How much does dental indemnity insurance cost in Malaysia?
With MRCM, Prodemnity Dental starts at RM 700 a year for government dentists doing locum work, RM 1,200 for private general dental practice (RM 1 million limit) and RM 2,200 for dental specialists (RM 2 million limit). Premiums are subject to 8% SST and RM10 stamp duty.
Can I choose a lower liability limit?
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.
Which liability limit should I choose if I do minor oral surgery?
Please choose RM 2 million cover if you do minor oral surgeries, such as lacerations, gum injuries, broken teeth, simple root canal treatment and wisdom tooth extractions.
Can I add a locum extension?
Yes. For private general dental practice, a locum extension can be added to your policy from RM 350 a year.
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 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.
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.
Documents and how a claim works
Policy wording
The full Prodemnity Dental policy wording issued by Great Eastern General: what is covered, exclusions, limits and conditions.
Download policy wording (PDF)How a claim works
- Tell us early. WhatsApp 018-369 3433 the moment you receive a complaint, a lawyer's letter or an MMC/MDC notice.
- We advise. An MRCM claims advisor reviews the documents with you and guides your first response.
- We notify the insurer. MRCM lodges the notification with Great Eastern on your behalf.
- Defence is arranged. Panel lawyers and experts are appointed under the policy.
- You stay informed. One advisor keeps you updated until the matter closes.
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.
