Malpractice Indemnity Insurance CoverMedical Malpractice and Professional Indemnity exposures
Medical Malpractice and Professional Indemnity exposures
We are pleased to advise that BASA has arranged a Group Insurance Policy, which covers our paid-up members who wish to take out the cover through BASA for their medical malpractice and professional indemnity exposures.
- We have also arranged extensions of cover for our qualified Biokineticists’ which include cover for your public and products’ liability exposures. This has become increasingly important with the coming into effect of the Consumer Protection Act.
- Students are not covered under this Malpractice Indemnity Policy but are covered by the Insurance Policy of the University where they study.
- Interns who are doing their Internship in a practice need to take out the Malpractice Indemnity Insurance that BASA can provide to them, once they are registered as a BASA Member.
- The Interns that are doing their Internship at the University are covered by the Insurance Policy of the University.
- As a Biokineticist, your main exposure is not that you would be sued for medical malpractice. You are far more likely to have a complaint lodged against you at the HPCSA by either a professional colleague or a patient/client.
- Very important! If you know about a claim that can be lodged against you please let CFP brokers know about it. Their contact details are at the bottom of this page.
- Our brokers, CFP Brokers, have advised us that the average costs of defending an HPCSA complaint vary from R20,000 (if you obtain legal assistance to draft and submit your response and the HPCSA elects to accept the response to the complaint lodged against you) to up to R100,000, if the practitioner’s response is not accepted and proceeds to a full-blown inquiry.
- CFP Brokers have advised that in 9 instances out of 10, complaints lodged with the HPCSA relate to billing. There are many medical malpractice insurance policies out there which would not assist you, if you have a complaint lodged against you for billing, because the insurers argue that there has been no injury to a patient and that their policy has therefore not been triggered.
- We are pleased to advise that we have specifically negotiated cover for all our members who take up the cover through our Group Policy which will provide you with legal assistance in the event of an HPCSA complaint against you, regardless of the nature of the complaint, i.e. whether there has been patient injury or not.
SUMMARY OF MALPRACTICE INSURANCE COVER FOR APPLICABLE BASA MEMBERS
Please note that this document below is a summary only. You are strongly urged to read the policy document as it is incumbent upon you to be aware of all the terms and conditions of your insurance policy and to query anything that might need clarification with CFP Brokers. Click on the links in the tables below to download the full documentation for the Scheme Policy.
While BASA arranged the Group Policy for our members who wish to make use of the cover, we cannot accept any liability or responsibility if the insurers reject of repudiate a claim on the basis that you have breached a condition of the cover (or any other reason). BASA is not an authorised financial services provider.
We would accordingly request that if you have any queries at all about the cover, that you contact our brokers, CFP Brokers for the necessary advice. See their contact details at the bottom of this page.
Summary of Malpractice Insurance Cover for applicable BASA members
|Medical Malpractice Indemnity Policy Document|
|Claims Reporting Procedures and other documentation|
Further information or assistance with potential malpractice claims
In the event that you need assistance from CFP Brokers in respect of a potential claim, HPCSA complaint or assistance with queries about your cover, you can contact: Kristy Carr or Noleen Podrouzek CFP Brokers Tel: 011 794-6848 / 011 794-7770 / 011 794-7768 Fax No: 086 553 5547 E-mail: or