MCI Healthcare Liability

Insurance cover

Cover for patient harm and additional liability risks

MCI Healthcare Liability helps cover compensable harm caused to a patient in the course of providing healthcare services, together with the related legal expenses.

3 000 000 €

Annual aggregate limit for all claims. Legal expenses under the mandatory cover are paid in addition to this limit.

The exact scope of cover, deductible, retroactive date and exclusions are set out in the policy and the insurance terms and conditions.

Additional covers

Claim

Claims can be reported locally in Estonia and in Estonian

A claim may be reported by the patient, the patient’s representative, another entitled person or the insured healthcare provider.

Denis Europe OÜ receives the claim notification, helps explain the next steps where necessary, and forwards the information to the insurer or its authorised claims handler.

A claim should be reported as soon as possible. A patient or another entitled person must report the incident within four weeks of becoming aware of it. Where there is a valid health-related or other reason, the time limit is extended by the corresponding period.

After the claim has been reported, the insurer or its authorised claims handler may request additional documents and explanations. The indemnity decision is made on the basis of the policy, the insurance terms and conditions, and the law.