Introduction
DentProtect360 or also known as DP360 is aimed to be a comprehensive Protection Plan for Dental Practices which provides both Professional Indemnity and Establishment Indemnity Coverage in 1 Plan.
DentProtect360 offers a package deal for practitioners to include clinic-wide protection coverage which protects the Dental Practitioners and their clinic establishments from medico-legal and non-medicolegal claims.
What indemnity Coverages are currently available in Malaysia?
a) Practitioners – Professional Indemnity (PI)
b) Establishment – Medical Establishment Indemnity (Est)
What is the difference between Professional Indemnity and Establishment Indemnity?
Professional Indemnity offers protection to a Dental Practitioner in a case of Medico-legal Negligence Claims made towards the Practitioners on grounds of their clinical practice/treatments only. The certificate coverage shall only cover the Policy Holder only. This can be covered with the existing DentProtect Protection Plan which is catering to practitioners for coverage.
However, Establishment Indemnity offers protection to cover establishments, clinics, firms, or incorporated bodies (LLP, Sdn Bhd, Bhd) against civil liabilities such as acts, errors, negligence, or omissions in the provision of Health Care Services by the Establishment covered. The Firm or Incorporated bodies (company) can still be held responsible for any negligence conducted in its premises regardless of Dental Practitioner or Locum doctor is an employee or not and regardless of whether the practitioner or locum doctor has their own individual Professional Indemnity. This is currently not yet offered widely in Malaysia.
What are some of the benefits of DentProtect360?
- It is an Inclusive Protection to have the best of both protection plans in 1 unified Protection Plan for Establishments, Firms, or Incorporated Bodies.
- Cost Effective Plans having a shared coverage sharing 1 policy amount of coverage.
Who should sign up for DentProtect360?
Firms or Incorporate bodies, Dental Clinic Owners, Franchisors, and Multi-Clinic Providers.
Why should you opt for DentProtec360?
Dental clinics often invest heavily in specialized equipment, dental tools, and technology to provide the best possible care to their patients. DentProtect360 is designed to protect against loss or damage to these valuable assets. Whether it’s due to fire, theft, vandalism, or natural disasters, DentProtect360 ensures that dental clinics can recover financially and resume their operations as quickly as possible. It covers the cost of repairs, replacements, and the resulting business interruption.
Insurance protection is a crucial aspect of running a dental clinic and ensuring the well-being of dental practitioners. From professional liability and general liability insurance to property and business interruption, dental clinics and practitioners must carefully assess their needs and secure comprehensive insurance policies. By having adequate insurance protection in place, dental professionals can focus on delivering high-quality care to their patients, knowing that they are financially protected against unexpected risks and potential liabilities.