6 Things Plastic Surgeons Need to Consider Before Choosing a Malpractice Insurance Carrier

by Darwin on April 25, 2019

Compared to other specialists, plastic surgeons are at high risk of getting sued by their patients. This is mainly due to the fact that a lot of surgical procedures are cosmetic and the aesthetic result is sometimes subjective. Barring the cases of actual botched surgeries, patients often times have a hard time adjusting to the new look even if the procedure went perfectly. Plastic surgeons also perform procedures to tackle issues that are causing discomfort, which may lead to lawsuits if the problem is not mitigated post surgery.

From a plastic surgeon’s perspective, getting malpractice insurance with high coverage amount is almost a no-brainer. However, choosing a plastic surgeon malpractice insurance policy that’s provided by a reputed carrier is also equally critical. In this post, we reveal the 6 things plastic surgeons need to check before selecting a medical malpractice insurance partner.

An Insurance Carrier That Understands the Medical Complexities of Plastic Surgery

Malpractice insurance companies have the critical task of analyzing claims and defending their clients. This requires a high degree of specialized medical know-how. It’s always advisable to choose an insurance partner that has a team of plastic surgeons and specialists.

Offers Easy Online Policy Management

One of the more important jobs of any insurance carrier is to make things easier for the insured. This holds true for medical malpractice insurance companies as doctors have limited time to spare. The tasks of paying premiums, reporting claims, and buying new policies or addons should be made as easy as possible. This is why most reputed insurance companies offer the freedom of managing policies online.

Has a High Success Rate Fighting Alleged Malpractice Cases

Malpractice insurance companies for plastic surgeons are not just there to settle customer claims. They have the critical task of defending their client’s reputation and interests against lawsuits. This is why it’s important to find out the success rate of insurance companies in terms of defending against malpractice lawsuits.

Regularly Provides Educational Support to Minimize Risks of Claims

This is one of the things that separates great malpractice insurance companies from mediocre ones. A good insurance firm provides educational resources to insured plastic surgeons to help them avoid lawsuits. These materials are constantly updated based on court verdicts and the technicalities of lawsuits filed against plastic surgeons. The access to these resources helps plastic surgeons avoid practices that may invite future patient lawsuits.

Offers a Robust Peer Support Program

People are quick to judge and they often show their outrage on social media before a verdict is reached. This takes an emotional toll and it can greatly impact the workplace performance of a practicing plastic surgeon. A peer support program helps doctors find emotional support and acceptance during a lengthy legal battle. These programs help plastic surgeons find support from their peers who are respected in the medical community.

Allows Insured Plastic Surgeons to Report Incidents Before Lawsuit is Filed

The feature of reporting an incident allows the insurance companies to prepare for a lawsuit before it’s actually filed. This opens doors for out-of-court settlements that sometimes work in favor of the practicing plastic surgeons. Any good malpractice insurance company should allow surgeons to file an online report before they are sued.

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