Insurance and Medical Security are terms that describe a contract by which an insurance company agrees, in exchange to premiums offered, and to provide compensation a doctor who is insured as a result of his claimed professional negligence.
Main Objectives of Insurance and Medical security:
- Professional interest of the claimed doctor protected and looked after at all costs.
- To protect and compensate the doctor to any loss that directly arise from demands, claims and actions against him/her for medical negligence.
- Provide professional advice in pre-litigation cases
- To look after professional interests of the doctor when in need
- Society contacted and dealt with before any admission entered into, all in all.
Things to look out, for insurance and medical security:
1) Medical Records:
- Evaluation and care of the patients treatment
- Proper and detailed documentation for reimbursement of the amount
- To document a conversation between the doctor treating the patient and other health care professional related to the treatment of the case.
- Simultaneously, Legal interest of the patient, hospital and practitioner protected and looked after.
- Documentation and evaluate drug therapy and follow up of patient
- Under health or accident insurance, life insurance and other medical policies, medical records taken care off, in case of medical negligence related issues.
- Medical records should have the following information:
- A) Name
- B) Father’s name
- C) Age
- D) Sex
- E) Occupation
- D) Address
- E) Date and timing of visiting the doctors clinic or hospital
- F) Date and consent from patient regarding any treatment or surgery
- G) Systemic examination findings noted
- H) Clinical observations
- I) Reports received regarding diagnosis
- J) Complications
- K) Opinion of consultation with hour and date
- L) Diet
- M) Furthermore, In cases of emergency, any specific diagnosis and reports checked periodically.
- N) Identification of patient
2) Consent in Medical practice( Insurance And Medical Security):
- Consent is permission or voluntary agreement between the doctor and the patient to carry out necessary treatment all in all.
- Types of consent:
- Implied
- Express
- Written
- Rules for consent:
- Oral consent in the presence of a nurse or medical personal
- Additionally, Written consent
- Informed, free and voluntary consent
- Additionally, autopsy not to be carried out without consent
- Simultaneously, discharge against medical advice if patient not willing to take the treatment with signature should be done.
3) Medicolegal cases :
- In court cases, involving insurance claims, 2 identification marks should be taken by the medical officer in charge in any medicolegal case.
- Additionally, verification of identification marks by medical officer is very important before bringing him to court
4) Psychological autopsy:
- Psychological autopsy introduced in cases of claimed life insurance claims.
- In cases of workers compensations all in all
- Meanwhile, In civil cases, time of death determines who inherits the property or an insurance policy is in force
5) General :
- In cases of presumption of death when the body is not found but the patient is dead, as to who inherits the insurance money.
- In case of death of the bride, insurance claimed by the husband if started before her death.
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Additionally, please read this book for detailed description : Essentials of forensic medicine