Indemnity cover
By being a member of Hospersa, the member is automatically qualified for professional indemnity cover. This cover is supplementary to cover provided to public servants by the Public Service and to members by private sector institutions.
The policy covers the following
- Bodily or mental injury, illness, disease or death of any patient caused by any negligent act.
- Error or omission committed in or about the occupation or business for which the member is legally liable.
- To pay for damages in accordance with the law.
- Defence costs and expenses in defence of any claim.
- 'Good Samaritan act' - Treatment administered at the scene of a medical emergency, accident or disaster.
The policy excludes the following
- Any claim occurring prior to inception of this policy.
- Any liability assumed under contract.
- Manufacturing, servicing or repairing products sold by Hospersa.
- Any claim which falls within the Workmen's Compensation Act.
- Any act in violation of the law.
- Any fraudulent, dishonest or criminal act.
- While under the influence of intoxicants or narcotics.
- Abortion unless pathologically indicated.
- Loss or destruction of property and consequent loss.
- Members practising in USA, Canada and Australia.
- Reporting of a loss after 28 days.
