When a doctor works one and only at a hospital, does the doctor usually hold his own medical malpractice insurance?
I'm happy with generality, but if anyone has info specific to NY, that'd be helpful. I am curious really in the region of two things: (1) Do doctors typically carry separate insurance beyond what is covered under the hospital's insurance policy? (2) Does the hospital provide a separate policy for respectively individual doctor or clinic, or is it one big pool for the whole hospital?
I am aware of a situation in which a hospital's insurance is nearly to be expended, but there are ongoing claims against individual doctors.
Answers:
Likely, the surgeon would convey professional liability insurance and the hospital would carry it's own separate insurance. Knowing that isn't going to help you, however. If you enjoy a "case" against either the doctor or hospital, you'll have to sue.
~~This may vary by state, but in California every physician must fetch medical malpractice insurance to keep their license or to be contracted under any insurance company, or to practice surrounded by a hospital.
I don't know exactly how hospitals insure themselves, but an educated guess would be a large liability policy.~~
If the doctor is an employee of the hospital, they do not own their own coverage. If they are NOT an employee of the hospital, they do have their own coverage.
The hospital have their own malpractice policy, which includes blanket coverage for all employees - so one pool for the together hospital.
My friend's father is a surgeon, and he carry a $2 million dollar umbrella policy to protect himself from lawsuits. I don't know whether the hospital provides additional coverage or not.
Related Questions:
I am aware of a situation in which a hospital's insurance is nearly to be expended, but there are ongoing claims against individual doctors.
Answers:
Likely, the surgeon would convey professional liability insurance and the hospital would carry it's own separate insurance. Knowing that isn't going to help you, however. If you enjoy a "case" against either the doctor or hospital, you'll have to sue.
~~This may vary by state, but in California every physician must fetch medical malpractice insurance to keep their license or to be contracted under any insurance company, or to practice surrounded by a hospital.
I don't know exactly how hospitals insure themselves, but an educated guess would be a large liability policy.~~
If the doctor is an employee of the hospital, they do not own their own coverage. If they are NOT an employee of the hospital, they do have their own coverage.
The hospital have their own malpractice policy, which includes blanket coverage for all employees - so one pool for the together hospital.
My friend's father is a surgeon, and he carry a $2 million dollar umbrella policy to protect himself from lawsuits. I don't know whether the hospital provides additional coverage or not.
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