Our Services
Medical Indemnity Insurance for Malaysian Medical Professionals
Protect Your Medical Practice with Confidence
As a medical professional in Malaysia, safeguarding your career against legal claims is more important than ever. Medical indemnity insurance protects you from financial and reputational risk in the event of allegations, patient claims, or legal disputes arising from your clinical practice.
Whether you’re a general practitioner, specialist, dentist, or surgeon, having the right indemnity coverage ensures peace of mind, so you can focus on what matters most—your patients.
What Is Medical Indemnity Insurance?
Medical indemnity insurance is a form of professional liability coverage designed specifically for medical practitioners. It provides financial protection against legal costs and compensation claims if a patient alleges medical negligence, errors, or omissions.
In Malaysia, this type of coverage is essential for medical registration and practice, especially in private healthcare. It covers both civil and, in some cases, criminal liabilities related to professional services.
What Medical Indemnity Insurance Cover?
- Any actual or alleged breach of duty
- Negligent act, error, emission, or misstatement
- Misleading statement
- Breach of warranty of authority committed in good faith
- Breach of confidentiality which occurs in the performance of or failure to perform Professional Services
- Defamation
Provides cover for any actual or alleged libel or slander committed without malice by reason of words written, spoken or broadcast in the course of providing Professional Services. - Intellectual property rights infringement
Provides cover for an unintentional infringement of any intellectual property right of any Third Party, other than patents. - Loss of documents
Provides cover for damages due to destruction or damage to, or loss, distortion, erasure or mislay of a Third Party’s Documents for which the Insured is legally responsible, provided that the destruction or damage to, or loss, distortion, erasure or mislay of such Third Party’s Documents. - Dishonesty of employees
Provides cover to the Insured (who is not the actual perpetrator) for any fraud or dishonest conduct of an Employee. - Defence costs
Covers reasonable fees, costs and expenses incurred by or on behalf of the Insured in the investigation, defence, adjustment, settlement or appeal of any Claim.
Why You Need Medical Indemnity Insurance?
Practicing medicine carries inherent risks. Even the most experienced and careful doctors may face legal complaints. In Malaysia, regulatory bodies and hospitals often require proof of medical indemnity insurance before granting practicing privileges.
Financial Protection
A single claim can ruin a business financially since litigation can be expensive, time-consuming and resource-consuming. Minaris’ Professional Indemnity insurance specialist advice will ensure you are fully covered when faced with such claims.
Reputation Protection
If you are a professional, your reputation is everything and maintaining this reputation is critical. In the event of a claim, our claims team will conduct the claim process efficiently and discreetly to safeguard our Insured's reputation.
Customer Protection
Professional Indemnity insurance aims to remove the financial burden for the professional service provider. This helps to minimise the fear of economic loss and provides peace of mind which enables the professional to focus on what’s important – servicing their clients
Litigation Environment
The increasing economic interdependency and culture exchange between the West and the East is contributing to higher claims awareness among professionals like yourself. The rapidly escalating number and size of professional indemnity claims demonstrate the litigious environment in Southeast Asia.
Who Needs This Coverage?
This insurance is tailored for:
- General Practitioners (GPs)
- Medical Specialists and Consultants
- Surgeons and Anaesthetists
- Dentists and Oral Health Professionals
- Allied Healthcare Providers (e.g. physiotherapists, nurses)
- Private Medical Clinics
What Does Medical Indemnity Insurance Cover?
Typical coverage includes:
- Legal defence costs
- Settlements and compensation to patients
- Claims of negligence, omission, or misdiagnosis
- Breach of duty or confidentiality
- Coverage for Good Samaritan Acts (in some plans)
- Optional retroactive coverage (prior acts)
Coverage limits and terms may vary depending on your role, location, and level of risk exposure.
Why Choose Minaris for Medical Indemnity Insurance?
We understand that medical professionals need fast, reliable, and hassle-free indemnity coverage. Here’s why thousands of practitioners trust us:
Customisation
Choose plans tailored to your field—whether you're a GP, specialist, or dentist.
Local Expertise
Receive guidance and assistance from real people who understand your practice.
Insight-driven
Get insured in just a few simple steps—no lengthy paperwork required.
Transparency
Competitive and clear pricing, ensuring no hidden surprises.
Frequently Asked Questions (FAQ) About Medical Indemnity Insurance
Yes, for private practitioners and those seeking practicing rights in private hospitals.
Absolutely. Choose from various coverage limits based on your risk exposure and specialty.
If you opt for retroactive coverage, yes. We offer options to protect against claims from previous years.
Get a Free Medical Indemnity Insurance Quote
Protect your career and professional reputation today. Reach out to us for a free consultation and personalized quote tailored to your medical practice.