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Understanding Malpractice Coverage (Joseph S. Chen ...
Understanding Malpractice Coverage (Joseph S. Cheng, MD, MS)
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Video Summary
Dr. Joseph Chang discusses malpractice insurance and the legal aspects of contracts. He explains the two main types of malpractice insurance: claims-based and occurrence-based. Claims-based insurance is cheaper and covers claims filed during the insured period, requiring additional tail coverage when switching carriers. Occurrence-based insurance is common in academic and training environments, providing coverage for occurrences during the insured period without the need for tail coverage. Both types have policy limits, and exceeding them can result in personal liability. The cost of malpractice insurance varies based on practice environment and location. Considerations like overhead costs and compensation should be factored into choosing a position.
Keywords
Dr. Joseph Chang
malpractice insurance
legal aspects
claims-based insurance
occurrence-based insurance
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