Cover Now — Pi Insurance

Feature	Cashless	Reimbursement
• Lawyer Fees	Paid directly by insurer	Doctor pays first, insurer reimburses later
• Court Fee	Paid by insurer	Reimbursed after payment
• Compensation	Paid by insurer after claim approval	Doctor pays first, reimbursed as per policy terms
• Out-of-Pocket Expense	Minimal	High initially
• CoverNow Support	Legal coordination, documentation, insurer follow-up	File preparation, follow-ups, reimbursement assistance

Frequently Asked Questions (FAQ)

BASICS, COVERAGE & PREMIUM

It financially protects doctors against legal claims made by patients due to alleged medical negligence, error, or omission during treatment.

To safeguard reputation and finances against lawsuits, compensation demands, legal notices, and court cases.

Every practicing doctor — full-time, part-time, consulting doctors, clinic owners, visiting consultants, and surgeons.

Legal defense costs, lawyer fees, court fees, litigation expenses, and settlement or compensation amounts.

The doctor named in the policy. Optional add-ons can cover nurses, assistants, and clinic staff.

The maximum liability amount the insurer will pay for one or multiple claims as per policy structure.

Physicians: ₹25 lakh – ₹1 crore
Surgeons / Gynaecologists: ₹50 lakh – ₹3 crore
Hospital Owners: ₹1 crore – ₹10 crore or more

The start date from which past treatments are covered — only if the policy is renewed continuously.

Yes. Claims arising from OPD consultations, procedures, and surgeries are generally covered as per declared specialty.

Yes. All hospital-based treatments are covered if they fall within the insured specialty and declared services.

Not legally mandatory, but most hospitals require PI insurance for empanelment and medico-legal compliance.

Yes. Hospital insurance does not fully protect individual practitioners from personal liability.

Yes, if telemedicine practice and specialty are declared in the proposal form.

Yes, provided such procedures are declared and accepted by the insurer.

Yes, for gynaecologists and obstetricians under the declared specialty.

Yes, if performed within the scope of the declared specialization.

Yes. Dental-specific PI plans are available for orthodontics, implants, cosmetic dentistry, and more.

Yes, including wrong reporting, delayed diagnosis, or interpretation errors.

Yes, including errors related to anesthesia, sedation, and OT support.

Yes. Most professional indemnity claims arise from consumer court disputes.

CLAIMS, LEGAL SUPPORT & COVER LIMITS

Court fees, lawyer fees, legal documentation, expert opinions, and settlement or compensation amounts as per policy terms.

Yes. Insurers appoint an expert medico-legal panel or lawyers to handle the case.

Yes. Reimbursement is allowed if permitted under the policy terms.

Yes, provided the settlement is approved by the insurer.

No. Only civil negligence cases are covered. Criminal or intentional acts are excluded.

Some policies cover professional defamation if included as an add-on.

Yes, if the loss of documents add-on is opted.

Certain plans offer coverage for breach of confidentiality, subject to policy conditions.

Yes, if cyber practice, e-prescriptions, and telemedicine are declared and accepted by the insurer.

Unlimited claims, subject to the Sum Insured and AOA/AOY limits.

The maximum amount payable for a single claim.

The maximum amount payable for all claims combined in one policy year.

Common ratios are 1:1, 1:2, or 1:3 depending on specialty and insurer.

Yes. Changes can be made at the time of policy renewal.

Usually only for high-risk specialties or in case of heavy or frequent claims.

Only under international PI policies. India-only policies do not cover overseas claims.

Yes, provided the activity and location are legal and declared in the proposal.

Yes, for private practice. Claims arising from government duty usually follow government rules.

Yes, if medical camps are declared and included under the scope of practice.

Yes. Negligence claims arising from emergency treatment are also covered.

ELIGIBILITY, DOCUMENTS, RENEWAL & CONTINUITY

MBBS doctors, dentists, AYUSH practitioners, surgeons, consultants, and hospital owners.

Yes. Only licensed and registered medical practitioners can be covered.

Yes. The proposal form defines specialty, procedures performed, and risk exposure.

No. PI insurance does not depend on the doctor’s personal health.

Medical registration certificate, PAN or Aadhaar, and specialty declaration.

Usually no. The medical license must be active and valid.

Yes, to cover past practice — provided the retroactive date is maintained.

Policies are available for 1, 2, or 3 years.

Discount on premium and uninterrupted retroactive cover.

Continuation of PI coverage year after year without breaks.

Retroactive date benefit is lost and past practice becomes uncovered.

Yes. Usually 15–30 days, depending on insurer terms.

Yes. It can be increased or decreased at renewal.

Yes. Changes are allowed after insurer underwriting approval.

Yes. They can be added via endorsement or at renewal.

Yes. Address updates can be done through endorsement.

Yes, with supporting documents and underwriting approval.

Yes. Visiting consultants can be covered with proper declaration.

Yes, if such procedures are disclosed and approved by the insurer.

Yes. Hospitals can opt for a corporate professional indemnity policy.

CLAIM REJECTION, RISK FACTORS & DO’S & DON’TS

Due to non-disclosure, lapsed policy, excluded procedures, or delay in notice intimation.

The claim may be rejected. Doctors must always disclose specialty and procedures honestly.

Yes. Missing consent forms or treatment records weaken legal defense and may lead to rejection.

No. PI insurance covers accidental negligence only, not criminal or intentional acts.

Yes. Practicing beyond declared skills or qualifications can void coverage.

Yes. Claims may be rejected if the practice violates legal or regulatory requirements.

Yes. Claims may be denied if the license was not valid at the time of treatment.

No. Fraudulent claims can lead to claim rejection and policy cancellation.

No, unless the insurer follows aggregate exhaustion terms.

Yes. Premium may increase for high-risk specialties or repeated claims.

Yes. Insurers thoroughly audit claim documentation and conduct investigations when required.

No. Legal evidence and documentation determine claim outcome, not media coverage.

No. Legal defense continues as long as the case is not criminal malpractice.

No, unless the complaint escalates into a formal legal claim.

Yes. Insurers must be informed immediately upon receiving any legal notice or complaint.

Yes. Strong legal defense helps prevent false allegations and reputational damage.

No. A valid retroactive date is mandatory to cover past treatments.

Yes. Claims already reported continue if the policy was active before death.

Yes. Any amount beyond the sum insured must be paid by the doctor.

Yes. Hospitals prefer insured doctors to reduce medico-legal and litigation risk.

SPECIAL CASES, PREMIUM LOGIC & COMMON ADD-ONS

Based on specialty, procedures performed, sum insured, years of experience, and past claim history.

Surgical procedures carry higher risk and compensation exposure, increasing premium.

Sometimes yes, depending on specialty and absence of claim history.

Mostly no. PI pricing is specialty-driven, not city-driven.

Generally yearly, though some insurers allow EMI through partners.

Loss of documents, professional defamation, breach of confidentiality, and joint liability cover.

Covers liability arising from actions of junior doctors, nurses, or clinic staff.

Liability of a doctor for actions of interns or staff — covered if included in the policy.

Yes, only if such procedures are declared and accepted by the insurer.

Covered only by select insurers after full disclosure and underwriting approval.

Yes, with specialist declaration and insurer approval.

Depends on insurer guidelines and underwriting acceptance.

Yes. They improve documentation practices and strengthen legal defense.

Yes, if claims may arise from past surgeries — tail cover is recommended.

A period after policy expiry during which late-reported claims are still covered.

Typically 3–7 years depending on specialty risk and claim exposure.

Yes. This is done under a corporate professional indemnity policy.

Yes, through a separate clinical trial indemnity extension.

Yes. Refund depends on unused period and insurer cancellation terms.

Only international PI policies cover overseas jurisdictions. India-only plans do not.

Customer Feedbacks

Vishal Sharma

Delhi

As a practicing doctor, having professional indemnity cover gives me confidence against legal risks.

Amar Kant

Delhi

The premium felt slightly higher initially, but the clarity in policy terms made me trust the coverage.

Ashwini Patil

Karnataka

I was concerned about patient litigation, but this indemnity cover gives real peace of mind.

Dr. Chethana Ganesh

Karnataka

The PI clauses were explained in detail. I feel secure continuing my practice.

Kuldeep Ashta

Madhya Pradesh

I was initially unaware of how PI insurance works, but the team explained its importance clearly.

Dr. Sudip Bhargava

Madhya Pradesh

The claim process took some time, but it was handled fairly. I would recommend this to fellow doctors.

Kandrika Vasavyaumapathi

Andhra Pradesh

Good service. I feel protected against unforeseen medico-legal situations.

Dr. Kilaru Harshini

Andhra Pradesh

I had questions about exclusions, and everything was clarified patiently.

R. Arul Murugan

Pondicherry

I didn’t realize how important PI insurance was until it was explained. Now I feel more secure in my profession.

Subrata Dey

Assam

The policy explanation was clear and helpful. PI cover gives me confidence.

Rajkumar Prakash

Assam

Support team was helpful. I trust this PI policy to safeguard my practice.

Amit Jayantibhai Shah

Maharashtra

Professional indemnity is essential today. The policy terms were explained clearly.

Dr. Shivaji Ekanath Narawade

Maharashtra

There was a delay in claim approval, but it was resolved fairly with proper communication.

Santosh Ratan Kalushe

Maharashtra

Good coverage. I feel protected against medico-legal risks.

Hardik Mehta

Gujarat

Premiums are competitive and the PI cover was explained in detail.

Shailesh Solanki

Gujarat

I was initially skeptical, but this indemnity insurance gives me peace of mind.

Kuldeep Mohansahai

Rajasthan

Good service. The PI cover was explained clearly.

Navneet Garg

Rajasthan

I had concerns about claim settlement, but the process was transparent.

Ajay Kumar Jain

Rajasthan

Helpful staff. I feel secure with this indemnity cover.

Kamal Jeet Singh

Punjab

Overall, a smooth experience. PI insurance was explained well.

Dr. Dinesh Garg

Punjab

Claim settlement took longer than expected, but communication was clear throughout.

Ashok Raju Gottemukkala

Telangana

Good brand presence and clear explanation of PI coverage.

Veer Abhishek Goud

Telangana

The team was helpful. I feel protected against litigation risks.

Dalip Singh Yadav

Haryana

Good customer service. PI cover was explained in detail.

Seema Jain

Haryana

I was initially confused, but everything was clarified well.

Abdul Shahid P. P.

Andaman & Nicobar

I wasn’t aware PI insurance was available here. The support team was helpful.

Vasudha Agarwal

Uttar Pradesh

Helpful staff. PI cover was explained clearly.

Shivangi

Uttar Pradesh

I was worried about exclusions, but all my doubts were addressed.

Dr. Sarika Choudhary

Uttar Pradesh

Good service. I feel secure with this indemnity cover.

Samir Kumar Nayak

Odisha

Helpful team. PI cover was explained clearly.

Dimple Mishra

West Bengal

Good service. PI insurance was explained in detail.

Tanmoy Roy

West Bengal

Claim settlement took time, but it was fair.

Dr. Mhalshekar

Goa

Helpful staff. PI cover was explained clearly.

Erbatech Machinery Pvt. Ltd.

Goa

Good brand presence. PI insurance was explained well.

Prijith R. S.

Kerala

Helpful team. PI cover was explained clearly.

Dr. Samah

Kerala

I was initially unsure, but the indemnity insurance was explained well.

Brijesh Kumar Yadav

Chhattisgarh

Good service. PI cover explained clearly.

Piyush Dubey

Chhattisgarh

Helpful staff. I feel secure with this indemnity cover.

Dr. Pushkar Mani

Jharkhand

Helpful team. PI cover was explained clearly.

Sourav Kumar Singh

Jharkhand

Good service. Indemnity insurance explained in detail.

Kavitha Mugundhan

Tamil Nadu

Helpful staff. PI cover was explained clearly.

Dr. Saravanakumar S.

Tamil Nadu

Good service. I feel secure with this indemnity cover.

Mugundhan Sengodan

Tamil Nadu

Helpful team. PI cover explained clearly.

Guru Dutt Sharma

Chandigarh

Good service. PI insurance explained in detail.

Neeta

Uttarakhand

Helpful staff. PI cover explained clearly.

Rajeev Mengi

Jammu & Kashmir

Good service. PI cover explained clearly.

Dr. Saiyyaden Jafrey

Daman & Diu

Helpful team. PI cover explained clearly.

Malvika Singh

Delhi

Helpful staff. PI cover explained clearly.

Dr. Chandana Pai

Karnataka

Good service. I feel secure with this indemnity cover.

Key Features of PI Insurance for Doctors

Coverage for Medical Negligence Claims

Coverage for Clinics / Juniors / Assistants

Legal Defense Cost Coverage

Wide Sum Insured Options

Compensation / Damages Coverage

Retroactive Coverage

Indoor / Outdoor Patient Coverage

Extended Reporting Period (Tail Cover)

Reputation & Confidentiality Coverage

CoverNow — Benefits of Buying PI Insurance Online

Instant Policy Issuance

Complete Transparency

Plans Designed for Each Specialty

Secure Digital Payments (EMI Available)

Policy & Legal Papers Always Available 24×7

Fast & Hassle-Free Claim Support

Zero Paperwork — 100% Digital

Smart Recommendations Based on Practice Risk

Exclusive Online Discounts

No Agent Dependency — Full Control to Doctor

Know the Claim Settlement Process

(For PI Insurance)

Claim / Notice Intimation

Submit Initial Documents

Insurer Appoints Legal Team

Legal Defense & Case Handling

Compensation / Settlement

Why Do PI Insurance Claims Get Rejected?

Practicing Outside Declared Specialty

Expired / Lapsed Policy at Time of Incident

Intentional Wrongdoing / Criminal Act

Lack of Consent / Improper Documentation

Claim for Incident Before Retroactive Date

Not Informing Insurer When Notice is Received

Excluded Procedures Not Declared in Proposal

Fraudulent or Fabricated Cases by Doctor

How to Avoid Claim Rejection

Get a Plan with Zero Claim Rejections

Frequently Asked Questions (FAQ)

BASICS, COVERAGE & PREMIUM

CLAIMS, LEGAL SUPPORT & COVER LIMITS

ELIGIBILITY, DOCUMENTS, RENEWAL & CONTINUITY

CLAIM REJECTION, RISK FACTORS & DO’S & DON’TS

SPECIAL CASES, PREMIUM LOGIC & COMMON ADD-ONS

Customer Feedbacks

Vishal Sharma

Amar Kant

Ashwini Patil

Dr. Chethana Ganesh

Kuldeep Ashta

Dr. Sudip Bhargava

Kandrika Vasavyaumapathi

Dr. Kilaru Harshini

R. Arul Murugan

Subrata Dey

Rajkumar Prakash

Amit Jayantibhai Shah

Dr. Shivaji Ekanath Narawade

Santosh Ratan Kalushe

Hardik Mehta

Shailesh Solanki

Kuldeep Mohansahai

Navneet Garg

Ajay Kumar Jain

Kamal Jeet Singh

Dr. Dinesh Garg

Ashok Raju Gottemukkala

Veer Abhishek Goud

Dalip Singh Yadav

Seema Jain

Abdul Shahid P. P.

Vasudha Agarwal

Shivangi

Dr. Sarika Choudhary

Samir Kumar Nayak

Dimple Mishra

Tanmoy Roy

Dr. Mhalshekar

Erbatech Machinery Pvt. Ltd.

CoverNow — Benefits of Buying PI
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