Professional Indemnity; Health

Health Professionals Professional Indemnity

Indemnity cover for doctors and every other registered health professional.

Health Professionals Professional Indemnity

Overview

Health Professionals Professional Indemnity protects you against the cost of defending and settling claims of professional negligence, error or omission arising from your clinical practice. It covers your legal defence costs and any compensation awarded against you, up to the limit of indemnity you choose.

A single complaint can be expensive to defend even when you have done nothing wrong. Cover is available to doctors across every discipline — from non-clinical roles through to surgical specialties — and to other registered health professionals including clinical officers, nurses and midwives, pharmacists, laboratory technologists, radiographers, physiotherapists, occupational therapists, nutritionists and dieticians, public health officers, counsellors and psychologists, and optometrists.

Choose your profession and limit of indemnity, see your premium immediately, complete the short application online, pay securely and receive your policy.

What’s covered

Legal defence costs
Compensation & settlements awarded against you
Cover for negligence, errors & omissions
Doctors covered up to KES 60 million
Other health professionals covered up to KES 10 million
Online application, payment & policy

Cover options

Doctors

Doctors are rated by discipline. Your premium is set by the discipline you practise and the limit of indemnity you choose, with limits available from KES 500,000 up to KES 60 million. Your premium and the excess that applies to a claim are both shown before you apply.

Other health professionals

Clinical officers, nurses, pharmacists, laboratory and imaging professionals, therapists, nutritionists, public health officers, counsellors, psychologists and optometrists can select a limit of indemnity up to KES 10 million. Your premium and the excess that applies to a claim are both shown before you apply.

What it covers

The cost of defending a claim of professional negligence, error or omission, plus any compensation or settlement awarded against you, up to your chosen limit of indemnity.

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  • Regulated by the IRA
  • Secure M-Pesa & card payments
  • Instant policy documents

Frequently asked questions

Any registered health professional in Kenya — doctors of every discipline, and other health professionals registered with bodies such as the Clinical Officers Council, the Nursing Council of Kenya, the Pharmacy and Poisons Board, KMLTTB, the Radiation Protection Board, the Physiotherapy and Occupational Therapists Councils, KNDI, PHOTC, KCPA and the Optometrists Association of Kenya.

It is cover that protects a professional against the cost of claims alleging negligence, error or omission in their work — paying both the legal defence costs and any compensation awarded, up to the chosen limit.

It depends on which kind of health professional you are and the limit of indemnity you choose. Select your profession and limit on the application form and your exact premium is shown immediately, itemised, before you pay.

Doctors can select a limit from KES 500,000 up to KES 60 million. Other health professionals can select a limit up to KES 10 million.

Yes. The excess is the amount you bear yourself on a claim. It varies with the limit of indemnity you choose, and the exact figure is shown to you on the application form before you pay. It is not charged when you buy the policy.

Your practising licence or certificate of registration from your regulatory body, your national ID or passport, and your KRA PIN certificate.

Select your profession and limit of indemnity, review the premium shown, complete the short application, pay securely online and receive your policy.

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