Medical Professional Civil Liability Insurance; Challenges, Necessities and Opportunities

Medical Professional Civil Liability Insurance is a special type of the civil liability insurances. Nowadays، medical services insurance policies have been specialized in developed countries and insurance companies in each case cover only the damages which are the subjects of the insurance policy. In such countries، in order to arrange the comprehensive cover insurance for their professions، medical professionals and medical-related professionals should in some cases inevitably insure their professional liabilities by purchasing several liability insurances. Thereby، by expanding the scope of medical liabilities، some countries have decided to make this insurance compulsory. In Iran، according to the prepared statistics، only an average of about 23% of the physicians have gotten the civil liability insurance during the years 1999-2001. In this study، beside presenting some generalities about Medical Professional Liability Insurance and also providing some instances which are under the cover of this type of insurance، the most important exceptions of this Insurance in which the insurer is not responsible of the incurred damages have been studied and in case of need some recommendations have been put forward in this area.