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Hospitals & Nursing Homes

Insurance for hospitals, multi-specialty clinics and nursing homes, medical equipment, professional indemnity, premises liability and patient data.

Medical professional indemnityEquipment breakdownPremises liability
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The sector

Three distinct liability layers that need separate policy attention.

Hospital insurance combines high-capex medical equipment, professional indemnity for medical staff (an increasingly active claims area in India), premises liability for patient and visitor incidents, and rising cyber exposure as patient records digitise under DPDPA. Each layer has its own underwriting, its own policy form and its own claims pattern.

Risk profile

Where the exposure lives.

Hospitals run property, professional indemnity, equipment and employee risk together. These four come first.

01
Medical professional indemnity
Negligence claims against hospital and medical staff, rising in frequency and severity in Indian metros.
02
Equipment breakdown
MRI, CT, cath-lab and ICU equipment carry high capex and long parts lead-times. Breakdown affects revenue immediately.
03
Premises liability
Slip-and-fall, infection-transmission claims and visitor injuries on hospital premises.
04
Patient data & DPDPA
Patient record breach exposure under DPDPA, plus ransomware risk targeting hospital IT systems.
Recommended cover

The programme we typically place.

Each cover below is a link to the policy page. The combination, the limits and the wording are what we negotiate on your behalf.

01
Plant & Machinery
Equipment breakdown cover for imaging, ICU, lab and surgical equipment.
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02
Public Liability
Premises liability with medical-malpractice extension.
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03
Cyber Insurance
Patient data breach, DPDPA notification cost and ransomware extortion cover.
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04
Group Coverage
Group medical and life cover for the hospital workforce, typically a regulatory or accreditation requirement.
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05
Fire & Burglary
Hospital property and contents cover with BI for revenue continuity.
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Claim reality

What a claim tends to look like here.

The defining exposure is a professional-liability claim arising from treatment, alongside property and expensive medical-equipment risk and a duty of care to employees. A single incident can involve patients, staff and equipment together.

Questions

Questions we get in this sector.

It responds to claims of professional negligence in the course of treatment, including legal defence costs, for the institution and, where arranged, its practitioners. We match the limit to the specialties and patient volumes involved.
Yes, medical equipment is best covered on an all-risk or breakdown basis given repair costs and downtime, rather than under a plain fire policy. We place it with a suitable sum insured and breakdown cover.
Only if the policy is arranged to include them, and many are not. A visiting practitioner is frequently expected to hold their own cover, which leaves a gap where the claim names the institution as well.
Medical indemnity is usually written on a claims-made basis, so the policy in force when the claim is made responds, subject to the retroactive date. Continuity matters, and a gap between policies can strand a claim arising from work already done.
Not under the professional indemnity, and often not adequately under the fire policy. Cash in the collection counters and patients' belongings are separate sections and are commonly set at token amounts.

Need a sector-specific risk review?

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