Professional Indemnity Coverage: Who Qualifies and What You Get
Learn how professional indemnity coverage protects practicing paramedics in Switzerland against liability and legal costs from clinical errors.
Professional indemnity coverage provides legal defense and liability protection for medical professionals in case of clinical errors.
Who it's for
This coverage is intended for all practicing paramedics working within the medical system. It is a professional safeguard designed to support those providing emergency medical care.
What you get
The primary benefit of this scheme is protection against the consequences of clinical errors. If a mistake occurs during your medical practice, this coverage provides you with a legal defense to help navigate the legal process. Additionally, it provides liability coverage, which helps manage the financial responsibilities that may arise from such errors. This ensures that a professional error does not become a personal financial catastrophe.
What it costs you
For most paramedics, this protection is usually covered by your employer as part of your standard professional setup. However, because the exact details of your benefits depend on your specific workplace, you must check your individual employment contract to confirm that you are fully covered under their existing policy.
The catch to know
The most important thing to understand is the limit of your employer's policy. While your employer typically provides coverage for your standard duties, these policies often do not extend to private side-gigs or any freelance work you may take on outside of your primary employment. If you perform any medical services independently, you may need to seek additional coverage through a professional association.
How to apply
- Carefully review your employment contract to see if professional indemnity is listed as a benefit.
- Speak with your employer or human resources department to confirm that your specific clinical duties are covered under their current policy.
- If you plan to do any private or freelance work, contact a professional association to discuss and arrange separate coverage for those activities.