Main Protection:

The insurance covers claims brought against the insured because of bodily injury, including death, suffered by third parties and for which the insured is legally liable because of the exercise of the medical profession within the insured's premises and carried out by medical personnel, including medical professionals, employed in the hospital. Within the stipulated coverage limit, the policy also covers the legal and extrajudicial costs and expenses necessary for the investigation and settlement of claims.

Main Coverages:

• Bodily injury including death suffered by patients because of culpable or negligent professional actions, omissions or errors committed during diagnoses, treatments, therapeutic applications, surgical interventions and, in general, derived from the performance of any clinical or health act that is within the professional competence of the insured persons.
• Bodily injury including death to patients caused by personnel acting under their dependence as nurses, auxiliaries, assistants.
• Bodily injury including death to patients from the use of medical instruments or devices.

Note that the coverage is for actual damages caused which manifest as a bodily injury or death. A lawsuit for disagreement or dissatisfaction with the result of a procedure, in the case of plastic surgeries, for example, they are NOT covered.

MAIN EXCLUSIONS

Usually, and depending on the policy contracted, there is no coverage for any fact, situation, circumstance, or incident as follows:

• Damages that give rise to claims for not having obtained the proposed purpose in any kind of plastic or aesthetic surgery operations (disagreement of the patient with the result).
• Events or occurrences that the insured, at the beginning of the term of the coverage, knew or reasonably should have known, that could reach a claim covered by this policy.
• Responsibilities arising from the use of curative procedures and means that have not been recognized or authorized by scientific entities or medical professionals of recognized prestige, or that are considered experimental, for example, clinical trials.
• The consequences of prescribing or administering pharmaceutical products not approved by the Health Authority.
• Any type of fines and penalties, as well as surcharges on the benefits established in current legislation of a punitive nature.