Experience Rating in Medical Professional Liability Insurance: Author's Reply

1989 ◽  
Vol 56 (2) ◽  
pp. 333 ◽  
Author(s):  
Blaine F. Nye ◽  
Alfred E. Hofflander
Keyword(s):  
Medical Professional ◽  
Liability Insurance ◽  
Professional Liability ◽  
Experience Rating

scholarly journals Impact of the Medical Professional Liability Insurance Crisis on Access to Care in Florida

2004 ◽  
Vol 164 (20) ◽  
pp. 2217 ◽  
Author(s):  
Robert G. Brooks ◽  
Nir Menachemi ◽  
Cathy Hughes ◽  
Art Clawson
Keyword(s):  
Access To Care ◽  
Medical Professional ◽  
Liability Insurance ◽  
Professional Liability

scholarly journals The Impact of Defense Expenses in Medical Malpractice Claims

2012 ◽  
Vol 40 (1) ◽  
pp. 135-142 ◽  
Author(s):  
Aaron E. Carroll ◽  
Parul Divya Parikh ◽  
Jennifer L. Buddenbaum
Keyword(s):  
Medical Malpractice ◽  
The United States ◽  
Medical Professional ◽  
Liability Insurance ◽  
Medical Liability ◽  
Professional Liability ◽  
Medical Specialties ◽  
Insurance Premiums ◽  
Malpractice Claims ◽  
The Impact

Whenever health care reform is debated, the state of the medical professional liability (MPL) system (i.e., medical malpractice system) in the United States re-emerges as an issue of importance. What exactly is broken with the MPL system and what the implications are is a point of contention among different stakeholder groups. Recent data demonstrate that medical liability premiums have been improving in recent years and the majority of premiums remained flat in 2010. General agreement still exists, however, that medical professional liability insurance premiums have become unaffordable for many physicians, and coverage has become less available, especially for certain medical specialties and in specific areas of the country.Multiple factors go into the determination of medical professional liability insurance premiums including return on investments, reinsurance costs, claims frequency, average amount paid out on malpractice claims, defense expenses, and administrative costs such as underwriting expense.

Should Medical Professional Liability Insurance Be Experience Rated?

1990 ◽  
Vol 57 (1) ◽  
pp. 66 ◽  
Author(s):  
Randall P. Ellis ◽  
Cynthia L. Gallup ◽  
Thomas G. McGuire
Keyword(s):  
Medical Professional ◽  
Liability Insurance ◽  
Professional Liability

scholarly journals Insurance of No-fault Responsibility in Medicine

2018 ◽  
Vol 11 (2) ◽  
pp. 137-152
Author(s):  
Miroslav Džidić ◽  
Nikolina Maleta
Keyword(s):  
Treatment Process ◽  
Modern Medicine ◽  
Medical Professional ◽  
Liability Insurance ◽  
Legal Rights ◽  
Legal Concept ◽  
Professional Liability ◽  
Education And Awareness ◽  
Insurance Model ◽  
Important Activity

Professional liability insurance in medicine based on the no-fault principle is not a novel legal concept, but it has gained popularity in recent years. The reason for this is because the classic professional liability system that exists in most European countries is obsolete. The basic shortcomings of the traditional insurance model are the overwhelming amount of litigation before the courts and the associated costs that are associated with it. At a time when modern medicine emphasizes the importance of patient education and awareness, which includes also informing patients of both their legal rights and obligations in connection with the medical treatment process, it is very difficult to retain the traditional insurance model where the physician's liability is premised solely on the physician's fault. Medicine is a humane profession and as such requires the greatest possible protection for health care users as well as for those who perform this extremely important activity for the society. This paper emphasizes the advantages of the no-fault liability insurance model and compares it with other insurance models in the field of medicine. The authors make suggestions for possible reforms to the classic medical professional liability insurance model in Bosnia and Herzegovina.Zavarovanje poklicne odgovornosti v medicini, ki temelji na nekrivdnem načelu, ni nov pravni koncept, a je v zadnjih letih pridobil na priljubljenosti. Razlog za to je, ker je klasični sistem poklicne odgovornosti, ki obstaja v večini evropskih držav, zastarel. Osnovne pomanjkljivosti tradicionalnega zavarovalnega modela so velika količina sodnih sporov pred sodišči in z njimi povezani stroški. V času, ko sodobna medicina poudarja pomen izobraževanja in ozaveščenosti pacientov, kar vključuje tudi obveščanje pacientov o njihovih pravicah in obveznostih v zvezi s postopkom zdravljenja, je zelo težko ohraniti tradicionalni model zavarovanja, kjer je odgovornost zdravnika vezana zgolj na krivdo zdravnika. Medicina je humani poklic in kot taka zahteva največjo možno zaščito za uporabnike zdravstvenega varstva in za tiste, ki opravljajo to izjemno pomembno dejavnost za družbo. Ta članek poudarja prednosti modela zavarovanja nekrivdne odgovornosti in ga primerja z drugimi zavarovalnimi modeli na področju medicine. Avtorja podajata predloge za morebitne reforme modela klasičnega zdravstvenega zavarovanja poklicne odgovornosti v Bosni in Hercegovini.

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