MLAG  INDEMNITY  through

               ICICI Lombard General Insurance Company  Ltd.

• MLAG has renegotiated with CoverU and ICICI, and MLAG Indemnity will henceforth provide THROUGH THIS (DIFFERENT FROM PREVIOUS) INSURER the following benefits;
• 80 % discount on rack rates of Public Sector Insurers both in Professional Indemnity Insurance as well as Errors and Omission Policy for Establishments (Discount was 35%, 60% & 70% with MLAG Indemnity previously);

• Retroactive date coverage continued even if previously insured by different insurer (Copy of previous policy should be attached with proposal form). Exception is if there is any claim or incident likely to result in claim outstanding under which circumstances retrospective cover will not be provided;

• Coverage for Cosmetic surgery with 75 % Loading on the premium (This had been scrapped by our previous insurers);

• Cases related to HIV will be excluded from our policy, as per change in agreement done recently by UIIC;

• Advocate will be for consumer court as well as for cases of alleged criminal negligence. (Criminal cases were not previously covered);
  • Criminal cases filed against doctors, which are for  issues listed  as  exclusions  where  doctor  is  later  exonerated  by  court  even  in  these  cases  legal  fee  will  be  paid as  per  schedule;
• Rates of empanelled advocates increased to 40000 / 60000 / 80000 for DCDRC / SCDRC / NCDRC plus expenses, thus allowing good quality advocates to be empanelled (Earlier these rates were Rs 12000 to 24000);
  • Also earlier the insurance company and the doctor would both be represented by same advocate, hence there would be a conflict of interest. Now Insurance Company need not be a party in case so only doctor will be represented by the advocate provided by the insurers through MLAG with time to time intimation to Insurance Company.
  • By agreement Insurance company will have to pay any compensation awarded by the court within time frame prescribed by court, upon proper intimation, without asking the doctor to first pay the compensation.
  • Advocates fee will be directly paid by insurers even if you do not want the advocate provided by MLAG / UIIC but choose your own advocate from among the panel notified. 
  • Advocates fee will be, directly, paid by insurers even if you do not want the advocate provided by MLAG / UIIC but choose your own advocate outside the panel notified with prior approval.

• Travel expenses for going to NCDRC for court proceedings, including stay, will be provided to advocate and insured. Train fare for shorter journey and economy airfare for longer journey. Stay upto Rs 2000 per day. (This  was  not  provided  earlier);

• Out of Court settlement upto Rs. 5 lacs, after due process will be covered. This will have to go through monitoring committee;

• Unlimited coverage available; You can take policies of 10 crore if you want and this amount will be paid for any individual case (AOA;AOY  is  1:1); 

• Error and Omission policy OPD patients will be charged 1 Rs per patient with 80% discount (Discount was 35 % earlier);

• MLAG supervision, guidance, facilitation and assistance in all the cases;

• Taking Indemnity Insurance through MLAG helps MLAG to raise funds to seek legal redressal for common cause issues, adversely effecting medical profession;
• THE ADVANTAGES OF MLAG INDEMNITY ARE AVAILABLE ONLY TO MEMBERS OF MEDICOS LEGAL ACTION GROUP.
• PREMIUM  FOR  INDEMNITY  INSURANCE  OF  SURGEON / GYNAECOLOGIST 

                                            50  lacs                        1 crore

• Rate  to  be  charged  from  Non MLAG  Member         8000                           11000  
• Rate  to  be  charged  from MLAG  member                  4180                             7180 
• Inclusive  of  MLAG  membership, unqualified  attendant  risk  cover  and Service  Tax
• MLAG  Indemnity  is  no  different  from  other professional  Indemnity  Insurance   policies  because  ultimately  it  is  issued  to individual doctors  by  ICICI Lombard GIC except  that  having  been  negotiated  as  a  group  we  have  got  a  better  deal  from  the  insurers  and  can  deal  with  insurers  better.