SE ALARM One Day Seminar

1
SE ALARM One Day Seminar

• Medical Malpractice
• 24th January 2007
• Mike Thane
• AIG

2
Agenda

• Overview
• Normal Activities
• Acceptable Procedures/Treatments
• Examples
• Conclusion
• Questions

3
Overview

• Focus on AIG perspective
• Specialist AreaOutside the knowledge of the
  majority of Liability Underwriters
• Coverage restrictions reinsurance
• Normal activities of a Local Authority are
  acceptable
• Medical matters need to be covered in the
  specialist market

4
Normal Activities

• What are Normal activities?
• Treatment Tree

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Is the treatment one which would normally be
carried out by a Health Care Facility and/or
Health Care Professional. Health Care Facility
/Health care Professional is defined as the
Provision of services by A hospital, clinic or
emergency room facility, a physician, medical
doctor, Osteopath, Chiropractor, resident, extern
or intern a psychiatrist pharmacist dentist,
orthodontist, or peridontist and included the
prescribing of any drugs or medicines and the use
of Equipment for diagnostic purposes. If Yes -
cover excluded If No .
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• Are the duties/tasks of the Insureds employee
  beyond the following
• emergency and/or first aid medical services
• the administering of drugs or medicines or
  procedures pre- prescribed by a medical
  practitioner.
• If Yes - cover excluded
• If No .

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Cover is provided in respect of the
administering of drugs or medicines
pre-prescribed by a medical practitioner and in
respect of the procedures indicated in the
attached table subject to written guidelines and
suitable training having been provided to the
person carrying out the procedure. If required,
written guidelines can be provided to RMP/AIG for
their agreement or comment. Where cover is
required beyond the limitations set out in the
table or there are any unusual medical
circumstances, full written details must be
provided to RMP/AIG for their agreement.
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Acceptable Procedures/Treatments

• Outside requirement for specialist medical
  knowledge or facilities
• Non Invasive
• Pre prescribed
• Subject to written guidelines and proper staff
  training
• Emergency or first aid treatment by trained staff

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Examples

• Methadone Clinics
• Physiotherapy
• Epipen
• Transfer of NHS staff

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Conclusion

• Discuss Medical Issues with your service
  specialists
• Discuss any areas of concern with Insurers
• Consider specialist insurance.

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Questions?