Hospital occupancy insurance/ liability waivers?
Are there any hospitals that allow you to purchase term malpractice or running insurance and sign legal liabilty waivers? It seems to me that a simple "Sorry for your loss, here's (insert dollar integer here)." beats a long, drawn-out malpractice suit, and would be easier and cheaper for everyone involved. Am I on to something, or am I just stupid?
Answers:
Interesting view! It should cap the hospitals liability and doctors liability which would help lower the robustness insurance rates. The problem is that people would never purchase something like this underneath the current insurance structure and market structure for the following reasons:
1. Nobody requests to pay money to cap their potential reward if the hospital/doctor is inattentive.
2. Malpractice insurance is currently paid for by the Doctor/Hospital.
3. The first to try this will be ridicouled by their competitors.
4. Purchasing something like this could interfere beside other coverages - If you are lucky enough to have disability coverage, the disability company may want the right to sue the hospital/doctor for your disability if they are the impose of your disability
Related Questions:
Answers:
Interesting view! It should cap the hospitals liability and doctors liability which would help lower the robustness insurance rates. The problem is that people would never purchase something like this underneath the current insurance structure and market structure for the following reasons:
1. Nobody requests to pay money to cap their potential reward if the hospital/doctor is inattentive.
2. Malpractice insurance is currently paid for by the Doctor/Hospital.
3. The first to try this will be ridicouled by their competitors.
4. Purchasing something like this could interfere beside other coverages - If you are lucky enough to have disability coverage, the disability company may want the right to sue the hospital/doctor for your disability if they are the impose of your disability
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