Healthcare professionals such as doctors, dentists, physiotherapists, chiropractors, nurses, and allied health practitioners deal with patients daily — and even with best practice, complaints or allegations can arise unexpectedly.
Real Scenario: A patient files a negligence complaint after a routine treatment leads to complications.
Without proper coverage, the practitioner must handle lawyers, investigations, and legal costs alone — costing easily RM30,000–RM150,000.
With our Professional Indemnity Insurance, you are protected from Day 1 of the allegation.
Our Policy Goes Beyond Standard PII Coverage
You are not just insured — you are equipped with a medico-legal defence system that activates the moment a complaint arises.
Medico-Legal Support Team Included
Our policy comes with access to a highly experienced medico-legal team who specialise in defending healthcare practitioners.
Example Covered Under Our Policy:
A physiotherapist is accused of using an “unsafe technique” that allegedly worsened a patient’s back injury.
Our medico-legal team is assigned to the case, guides documentation, prepares the defence, and protects the practitioner’s professional standing — fully covered under the policy.
Legal Representation for Inquiries Covered
If you are summoned to a regulatory inquiry (MMC, MDC, MOH, AHPC, Nursing Board, etc.), our policy covers the legal representation.
Example Covered Under Our Policy:
A dentist receives a complaint lodged through MMC for an unsatisfactory outcome in a root canal treatment.
Our policy appoints and pays for a legal representative to draft responses, provide coaching, and attend the inquiry with the dentist.
Emergency Legal Representation & Defence Costs – Covered
Urgent cases require immediate legal action — and our policy provides it.
Example Covered Under Our Policy:
A chiropractor receives a show-cause letter after a patient’s viral social media post claims “harmful adjustment”.
Our policy activates emergency legal representation immediately, including crisis guidance and defence support.
Advancement of Defence Costs – We Pay First
No “pay first and claim later”. Our policy advances the defence costs upfront.
Example Covered Under Our Policy:
A medical doctor is sued for misdiagnosis, and legal defence is estimated at RM80,000– RM120,000.
Our policy pays the defence costs as the case progresses — the doctor does not need to pay out of pocket first.
NIL Excess – Zero Out-of-Pocket
When a claim is triggered, you pay nothing. No excess, no deductible.
Example Covered Under Our Policy:
A nurse practitioner faces a claim for medication error.
With our NIL excess feature, the practitioner pays RM0 — full legal, defence, and settlement costs are covered under the policy.
In Summary — Our PII Policy Doesn’t Just Cover Claims.
It supports, defends, and protects you through the entire medico-legal process:
- ✔ Full medico-legal team
- ✔ Legal representation (including inquiries)
- ✔ Emergency legal defence
- ✔ Defence cost paid upfront
- ✔ NIL excess – no out-of-pocket
Because one allegation can disrupt a career — and our policy ensures you never face it alone.
Get Covered Today with Minaris
At Minaris, we provide professional medical indemnity solutions tailored to your needs. Backed by industry expertise and a commitment to your protection, our policies help you practice with confidence.
Explore our range of coverages:
📞 Ready to secure your future? Contact us today.
KH Chew is the Founder and Risk Advisor of Minaris, with over 30 years of experience in the insurance industry. He holds a Diploma in Insurance from the Malaysian Insurance Institute (MII), which laid the foundation for his in-depth expertise in property, financial lines, and other general insurance products. He is widely recognized for developing tailored insurance schemes for professionals and businesses across Malaysia. KH is also a passionate advocate for risk management and regularly advises clients and trade associations on comprehensive coverage strategies.