Malpractice Insurance

General

What is tree Medical Malpractice Insurance?

tree Medical Malpractice Insurance is a professional liability policy for licensed healthcare professionals in Saudi Arabia. It provides financial protection if you face a claim or legal action due to a medical error or omission. It covers court-awarded compensation and legal defense costs up to the Coverage Limit you choose.

What is a medical error?

A medical error is any action or decision made by a healthcare professional that causes harm to a patient. This includes errors in diagnosis, treatment, or medical procedures.

Who is this product for?

This insurance is designed for licensed healthcare professionals in Saudi Arabia, including doctors, dentists, nurses, pharmacists, and other licensed healthcare professionals.

Is Medical Malpractice Insurance mandatory in Saudi Arabia?

Yes. Medical Malpractice Insurance is required under Saudi regulations. All licensed healthcare professionals must have valid coverage, whether they work in the public or private sector.

What plan options do tree offers?

You can build your plan in three simple steps:

Choose your policy term (1 to 5 years).
Select your Limit of Indemnity.
Choose your Annual Aggregate Limit.

The cost of your policy depends on the options you choose.

What is the Limit of Indemnity?

The Limit of Indemnity is the maximum amount your policy will pay for a single claim. You can choose from four options based on your specialty and level of risk.

What is the Annual Aggregate Limit?

The Annual Aggregate Limit is the maximum amount your policy will pay for all claims made during a single policy year. You can choose from three options based on your specialty and level of risk.

What are the benefits of a multi-year policy?

If you choose a policy term of two to five years, your coverage and policy price remain fixed throughout the selected period. Your Annual Aggregate Limit resets at the beginning of each policy year, giving you a new limit every 12 months. You also won't need to renew your policy every year.

When does my policy actives?

Your coverage begins on the date you select, as shown in your policy schedule.

Where is my coverage valid?

Your policy covers medical services you provide within Saudi Arabia. It does not cover claims or legal actions arising outside Saudi Arabia.

Are legal defense costs deducted from my Coverage Limit?

Yes. Legal defense costs, including lawyers' fees, expert witness fees, and court costs, as well as any court-awarded compensation, all count toward your Coverage Limit. Choosing a higher Coverage Limit gives you greater financial protection if you face a costly claim.

Plans & Coverage

What does my policy cover?

Your policy covers your legal liability, court-awarded compensation, and legal defense costs if a patient claims that a medical error or omission caused bodily injury, mental harm, illness, or death. Coverage includes your day-to-day professional practice, emergency medical treatment, home medical visits, and remote medical consultations, as long as they are within your professional scope

Is telemedicine covered?

Yes, medical treatment you provide via telemedicine within Saudi Arabia is included in your cover, just like in-person consultations.

Are home medical visits covered?

Yes. Home medical visits are covered, provided they are within your professional scope.

Am I covered if I help in an emergency outside my workplace?

Yes. If you come across an emergency or respond to an emergency outside your workplace, your policy covers your liability for the emergency medical treatment you provide at the scene

Are legal costs covered?

Yes. Your policy covers lawyers' fees, court costs, expert witness fees, and any legal costs awarded to the claimant by the court, all within the Coverage Limit you choose.

Claims and cancellations

When should I notify tree about a potential claim?

Let us know right away if you hear about a complaint, an incident that might lead to a claim, or any legal action. Telling us early helps keep your coverage safe.

When is compensation paid?

Compensation is paid after a competent Saudi court issues a final, enforceable judgment, or once a settlement has been agreed upon and formally documented. Payment is made within your policy’s Coverage Limit.

How can I submit a claim?

To submit a claim, log in to your tree account on our website or app. Choose your Medical Malpractice Insurance policy and follow the steps to send your claim.

Can I cancel my policy?

Yes, you can cancel your policy in some cases, like if you get other coverage, stop practicing, or your license expires or is revoked. If you qualify for a refund, we’ll work out the unused part of your policy and return that amount, as long as there are no past or open claims.