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Why Do Gynaecologist’s Need Professional Indemnity Insurance?

coveryouadmin by coveryouadmin
September 27, 2024
in Blog
Reading Time: 4 mins read
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Why Do Gynaecologist’s Need Professional Indemnity Insurance?

Gynecologists dedicate their entire life to nurturing and protecting the health of women, from the miracles of the birth to the complexities of reproductive health. Every pregnancy, surgery, and diagnosis carries unseen risks of medical negligence claims in gynaecology. Gynecologists can face potential lawsuits, damaged reputations, and emotional distress. A single misdiagnosis, surgical error, or delayed diagnosis can lead to lifelong patient harm and costly legal battles.

Advancements In Gynaecology

Recent years have witnessed significant advancements in obstetrics and gynaecology, transforming the way doctors’ diagnose, treat and care for women. Advanced technologies are enhancing patient outcomes, improving safety and streamlining clinical workflows.

Key technologies in Gynaecology are:

Artificial Intelligence In Ultrasound Imaging: AI-powered ultrasound systems enable more accurate fetal monitoring, automated measurements, and enhanced image quality. This technology helps detect potential issues earlier, ensuring timely interventions.

Robot-Assisted Surgery: Minimally invasive robotic surgeries reduce recovery time, scarring, and complications. Advanced robotic systems provide precise control, improved visualization, and enhanced dexterity for surgeons.

Telemedicine And Virtual Consultations: Secure Health Insurance Portability and Accountability Act (HIPAA) compliant telemedicine platforms facilitate remote consultations, expanding access to gynaecological care. Patients can now conveniently schedule virtual appointments, reducing wait times and improving health outcomes. However, the rapid growth of these technologies also brings a risk of errors if not carefully managed.

Potential Risks In Gynaecological Procedures:

Gynaecologists face several challenges which make their work highly susceptible to medical negligence claims. The processes involved in it are highly complex. Every decision, diagnosis, and treatment can have life-changing consequences for patients and far-reaching implications for doctors.

Gynecologists are most vulnerable to negligence claims in:

Pre-Natal and Post–Natal Care: Gynecologists are at risk of negligence claims during pregnancy and after childbirth due to the mistakes in monitoring unborn babies’ health, misdiagnosing conditions affecting mother or baby or Not providing proper care during pregnancy or after delivery.

Surgical Procedures: Gynecologists may also face negligence claims due to complications during Cesarean sections (C-sections), Hysterectomies (removing the uterus) and other surgeries (e.g., tubal ligations, ovarian cyst removal).

Reproductive Health:  Negligence claims can also arise from mismanaging fertility treatments (e.g., IVF, IUI), providing incorrect contraceptive advice or failing to diagnose or treat reproductive issues (e.g., endometriosis, PCOS)

Consequence Of Negligence Claims

Emotional Distress and Trauma: Medical negligence claims can take a significant toll on healthcare providers, leading to emotional distress and trauma. The stress of facing a lawsuit can cause anxiety, depression, and loss of confidence, making it challenging for them to continue practicing.

Damage To Reputation And Livelihood: A medical negligence claim can severely damage a healthcare provider’s reputation and livelihood. A single claim can lead to a loss of patients, damage to professional reputation, and difficulty finding new employment.

Costly Lawsuits And Financial Strains: Medical negligence claims can result in significant financial strain for healthcare providers and organizations. Expensive legal fees, high settlement payouts, and increased insurance premiums can drain resources. In extreme cases, medical negligence claims can even lead to bankruptcy, forcing providers to close their practice or file for financial protection.

Medical Negligence Cases In Gynaecology

Gynaecologists face some of the most emotionally charged and complex medical negligence cases. Mistakes in prenatal care, childbirth, or reproductive health can have lifelong consequences for patients. From misdiagnosed ectopic pregnancies to botched hysterectomies, medical errors can lead to physical harm, emotional trauma, and even death.

Recently, the District Consumer Court directed two gynaecologist and IVF Facility’s Head to pay Rs 7,48,230 to a patient who underwent treatment at the facility. After admitting the patient for the delivery of her children, the doctor and the hospital failed to handle the case and referred her to another hospital stating that there was a lack of ICU and Blood bank facility.

Similarly, National Consumer Disputes Redressal Commission (NCDRC) has upheld a Ten year old order of the Kerala Consumer disputes Redressal Commission (KCDRC), holding a gynaecologist and a private hospital responsible for gross medical negligence and ordered the duo to pay Rs 22 lakh as compensation to the complainant.

A Study by National Library Of Medicine analyzed judgments from all District Consumer Courts in South India, focusing on medical negligence cases against gynecology and obstetrics. The study revealed 1,317 negligence cases, with 357 cases related to gynecology and obstetrics topping the list. Notably, negligence was proven in 98 of these 357 cases.

Such cases and studies prove that whether a negligence claim is genuine or dates back 10 years, it can still lead to significant consequences for doctors in the future. Even if the case drags on to many years, doctors must go through the entire legal process and bear the legal charges. Which can drain them financially and mentally.

Why Professional Indemnity Insurance Is Important For Gynaecologist

As a gynaecologist, you are susceptible to negligence claims, even with routine procedures. A single misstep, misdiagnosis, or complication can have severe consequences, including lawsuits, financial losses, and reputational damage. Common procedures like deliveries, cesarean sections, and hysterectomies can quickly escalate into high-stakes cases if complications arise. Professional Indemnity Insurance protects healthcare providers financially and legally in case of negligence lawsuits with costs of legal fees, charges of documentation, and compensation payments. This safeguard policy protects doctors’ careers and gives financial security.

CoverYou’s Professional Indemnity Insurance

Protect your Gynaecological practice with CoverYou, India’s leading insurance broker for doctors, backed by the Federation Of Obstetrics And Gynaecological Societies Of India (FOGSI) and 75+ medical associations. With expertise gained from consulting 500,000+ doctors nationwide, we offer customized professional indemnity insurance. Our panel of 500+ senior Doctors and 10,000+ Medico-Legal Lawyers ensures strong legal backup. In case of a medical lawsuit, we allocate lawyers within 2 hours, providing 24/7 support. Enjoy exclusive benefits like discounted premiums, multi-year policies, and expert medico-legal guidance.

Protect your practice and Peace with the right indemnity insurance coverage from CoverYou.

REFERENCES:

https://medicaldialogues.in/news/health/medico-legal/failure-in-handling-pregnancy-case-hospital-head-ivf-2-gynaecologists-told-to-pay-compensation-for-negligence-in-treatment-126744

https://timesofindia.indiatimes.com/city/thiruvananthapuram/national-consumer-commission-upholds-rs-22-lakh-compensation-order-in-medical-negligence-complaint/articleshow/100244812.cms

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5016466/

https://www.prepladder.com/obs-gyn-residency-study-material/recent-advances/technological-advances-in-obstetrics-and-gynecology

Tags: GynecologistsProfessional Indemnity Insurance
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Professional Indemnity- Our expertise lies in safeguarding the interest & reputation of our esteemed Medical Fraternity with our revolutionary product- Doctors Professional Indemnity Insurance. Given the complex & high-stakes nature of healthcare operations, doctors are certainly exposed to medical negligence risks at all times. It is very important to protect your high-responsibility profession with a Professional Indemnity Cover that will act as a safety net against any malpractice claim. Our Professional Indemnity is best suited for all your medical practice requirements. CoverYou’s Customised Professional Indemnity Insurance will not only safeguard your finances but also your hard earned reputation. We provide customised benefits exclusively tailored to meet the needs of Doctors & Hospitals. Our Professional Indemnity is guaranteed to provide comprehensive medical negligence coverage with an expert lawyer panel & renowned senior doctors present all across India. We are known to offer handheld support to our customers throughout their journey with us especially during claims!

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