{"id":5864,"date":"2026-09-29T00:02:20","date_gmt":"2026-09-29T05:32:20","guid":{"rendered":"https:\/\/www.coveryou.in\/blog\/?p=5864"},"modified":"2026-09-29T00:02:20","modified_gmt":"2026-09-29T05:32:20","slug":"how-much-indemnity-cover-is-enough-for-a-surgeon-2","status":"publish","type":"post","link":"https:\/\/www.coveryou.in\/blog\/how-much-indemnity-cover-is-enough-for-a-surgeon-2\/","title":{"rendered":"How Much Cover Is Enough for a Surgeon?"},"content":{"rendered":"

You ask three people and get three answers.<\/p>\n

A colleague says fifty lakh is plenty. A broker suggests two crore. A quote page offers you six options and explains none of them.<\/p>\n

None of them show their working, because there is none to show.<\/p>\n

So how much indemnity cover is enough for a surgeon<\/strong>\u00a0in India? There is no published answer \u2014 and understanding why is the first step to choosing well.<\/p>\n

Nobody Publishes A Number, And That Is Not An Oversight<\/strong><\/p>\n

No IRDAI rule, no medical council regulation and no hospital empanelment norm I could find prescribes a minimum sum insured for a doctor of any specialty. Insurers publish purchase options \u2014 twenty-five lakh, fifty lakh, one crore and upwards \u2014 but not guidance on which to pick.<\/p>\n

Nor is there a reliable published dataset of what Indian consumer commissions actually award, broken down by specialty. Figures that circulate as \u201cthe average medical negligence award\u201d are anecdotal. Treat any article quoting one with suspicion, including one that quotes a very large Supreme Court award as though it were typical. Outliers describe the tail, not the middle.<\/p>\n

Reason From Your Own Exposure Instead<\/strong><\/p>\n

Without a benchmark, the only honest way to settle how much indemnity cover is enough for a surgeon<\/strong>\u00a0is to describe your own risk and let the figure follow from it.<\/p>\n