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Policy Type Archives - Diederich Healthcare

malpractice-educational-series

Medical Malpractice Insurance Educational Series for Physicians

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Diederich Healthcare’s Medical Malpractice Insurance Professionals have released an educational series directed at physicians nation-wide. This series of informational articles focuses on topics that are relevant to the medical malpractice insurance landscape today. The series has a broad scope, with the following articles being made available: Change in 2014 – Oklahoma physicians can reduce practice costs with minimal effort Does price reflect quality of malpractice insurance? Transitioning From Occurrence to Claims-Made Using a Broker/Agent and…

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Transitioning From Occurrence to Claims-Made

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Claims-made policies are the most common type of policy issued today. These policies allow insurance companies to issue more accurate rates, usually at a lower cost to the physician, based on the amount of exposure the insurer is covering. At one point, occurrence policies were the norm. However, as malpractice claims dramatically increased, insurance companies had a difficult time trying to predict how much to collect in premium to cover future payouts. That poses two…

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California Physicians: Know Your Policy Form (Claims Made vs. Claims Paid)

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California physicians have a number of options when it comes to shopping for their professional medical liability insurance. A common question from medical physicians is, “Why are claims paid insurance policies less expensive than claims made insurance policies?” A policy that has continued to attract California medical providers is the “claims paid” policy form. This policy offered by physician cooperatives or medical trusts offers extremely low insurance rates that are considered “assessments” rather than annual…

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