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Is Malpractice Insurance Important For Nurses
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Imagine as if you are taking dinner in your favorite restaurant with your family. Suddenly, you hear that one of the visitors of the restaurant has become unconscious and when the people around were trying to call for emergency medical technician, being a nurse you are attending him and finding that he is having cardiac arrest. But, before the arrival of medical help when you are attending, the victim dies and if the family sues you for negligence, it will truly be frustrating as you tried to help the individual, but it was too late. In such a situation, if the court orders that you will have to pay a certain fee towards the family of the deceased, your frustration will further increase. But, in such a situation, if you had previously taken a nursing malpractice insurance, the insurance company would have paid for the family of the deceased, thereby relieving you of the financial pressure.
Even though, previously you might have tried to cover yourself and asked your employer, he might have said that it is not necessary for an individual coverage as you are already covered under your employer’s policy. But, in the above-mentioned situation, you were not on-duty and you were on a personal trip along with your family and so your employer’s coverage will not protect you. So, if you have previously opted for an individual nursing malpractice insurance, you would have saved yourself now. As you have not previously insured yourself, you will have to either pay for the attorney for protecting you from the case or you will have to bear the fine by yourself.
It is true that your employer might have covered you, but individual malpractice medical insurance is always better not only for nurses, but also for other professionals like medical doctors, chiropractors, dentists, physicians and osteopathic. There are professional insurance companies, who is specialized in providing this sort of coverage.
So, before selecting any malpractice medical insurance policy, it would be wise to compare the different policies offered by different insurance companies, such that you can arrive at the coverage with the best premium that will not bite your pocket.
So, do not be negligent that your employer has covered you, being a health care provider, you should protect yourself from any form of heavy expenses that arises out of your negligence while at work. Mistakes are common to happen and you cannot say that you will never do mistakes.
In such a situation, if the court orders that you will have to pay a certain fee towards the family of the deceased, your frustration will further increase. But, in such a situation, if you had previously taken a nursing malpractice insurance, the insurance company would have paid for the family of the deceased. For more details please Visit Us.
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