Liga Asuransi – Dear readers, how are you? I hope you and your family are doing well.
Let’s continue our discussion about risk management and insurance; this time, we will discuss the potential accidents in hospitals and medical centers.
We all know that the need for hospital and medical services increases due to the aging population, chronic diseases, technological advances, population growth, and public health emergencies.
As the demand for these services continues to rise, hospitals and medical centers must have adequate insurance coverage to protect themselves from potential risks and liabilities.
Almost every one of us has been visiting the hospitals for various purposes, accompanying our loved ones for medical treatment, visiting hospitalized friends, or even getting medical treatment.
But not all of us are aware of some potential risks at the hospital that can harm us or others.
The following story illustrates the consequences of the casualties to give you an insight into the potential risks and accidents in hospitals and medical centers.
Ahmad was walking through the hospital lobby when he suddenly slipped on a wet floor and fell hard. The fall caused him to fracture his leg and left him unable to walk without assistance. Ahmad was rushed to the emergency room, where he was treated for his injuries, but he would never fully recover from the accident and was left permanently disabled.
Frustrated and angry, Ahmad filed a claim against the hospital for negligence in maintaining a safe environment for their guests. He hired a lawyer, and together, they began seeking compensation for his medical bills, lost wages, and pain and suffering.
The hospital management denied wrongdoing and refused to offer any settlement to Ahmad. The case went to trial, and after a lengthy legal battle, the jury found in favor of Ahmad and awarded him a significant sum of money for his damages.
Despite the victory, Ahmad’s life was never the same. He struggled with his disability, had to rely on others for his care, and was forced to give up his career.
The hospital’s failure to maintain a safe environment profoundly impacted his life, and the compensation he received could never fully make up for what he had lost.
UNDERSTANDING THE SERVICE OF HOSPITALS AND MEDICAL CENTERS
Hospitals and medical centers are healthcare facilities that provide a wide range of medical services to patients. These facilities are typically staffed by a team of medical professionals, including doctors, nurses, and support staff, who work together to diagnose and treat illnesses and injuries.
Some of the services that hospitals and medical centers offer may include emergency care, surgery, diagnostic testing, rehabilitation, and long-term care. These facilities may also specialize in certain areas of healthcare, such as pediatrics, cardiology, or oncology.
Hospitals and medical centers require significant equipment, supplies, and infrastructure to operate effectively. This includes medical equipment, such as imaging machines and surgical instruments, and administrative infrastructure, such as electronic medical record systems and billing software.
Given the nature of their operations and the potential risks involved in providing medical care, hospitals, and medical centers are typically required to carry a variety of insurance policies, including Public Liability insurance, to protect themselves and their patients from any unforeseen accidents or incidents.
THE POTENTIAL ACCIDENTS IN HOSPITALS AND MEDICAL CENTERS
Hospitals and medical centers can engage in various activities that can cause injury or property damage to third parties, including guests. Some examples of these activities may include:
- Slip and falls.
Hospitals and medical centers have extensive facilities with many floors and rooms, which can increase the risk of slips, trips, and falls. Guests may be injured if they slip on a wet floor or trip over a misplaced object.
- Medical malpractice
Medical professionals at hospitals and medical centers must provide care that meets specific standards. If a medical professional fails to meet these standards and a patient is injured or killed, the hospital or medical center may be liable.
- Equipment malfunctions
Hospitals and medical centers use various equipment, such as surgical instruments, imaging machines, and ventilators. The hospital or medical center may be liable if this equipment malfunctions and causes injury or property damage to a third party.
- Transportation accidents
Hospitals and medical centers may provide transportation services to patients, such as ambulances or shuttle buses. If an accident occurs during transport and a third party is injured, the hospital or medical center may be liable.
- Infections
Hospitals and medical centers are responsible for maintaining a clean and sanitary environment to prevent the spreading of infections if a guest contracts an infection while in the hospital, the hospital or medical center may be liable.
WHY DO HOSPITALS NEED PUBLIC LIABILITY INSURANCE?
Hospitals need Public Liability insurance to protect themselves from the financial consequences of accidents and lawsuits that may arise from their operations.
Public Liability insurance provides coverage for bodily injury and property damage caused to third parties such as patients, visitors, vendors, and other members of the public who come into contact with the hospital.
Hospitals face various risks that could lead to injury or property damage to third parties. For example, slips and falls, equipment malfunctions, transportation accidents, and infections are all potential risks that hospitals must manage. If someone is injured or suffers property damage due to one of these incidents, they may hold the hospital responsible and seek compensation.
Without Public Liability insurance, hospitals may have to pay for these costs out of their pockets, which can be extremely expensive and significantly impact their financial stability. Public Liability insurance provides hospitals with financial protection by covering the costs of legal fees, settlements or judgments resulting from lawsuits, and other accident-related expenses.
Public Liability insurance is essential for hospitals to protect themselves from the financial consequences of accidents and lawsuits arising from their operations. It provides coverage for bodily injury and property damage caused to third parties and helps hospitals manage the risks associated with their operations.
WHY DO HOSPITAL OPERATORS NEED THE SERVICE OF AN INSURANCE BROKER?
Arranging insurance by contacting insurance companies directly or through agents is not recommended because it can lead to limited insurance coverage, uncompetitive premium costs, the use of less secure companies, and the absence of claim settlement assistance.
Hospital operators need insurance brokers to help them obtain the right insurance policies to protect their business. Insurance brokers have extensive knowledge and experience in the insurance industry. They can provide valuable advice on the types of insurance policies best suited to a hospital operator’s specific needs.
Some of the reasons why hospital operators need insurance brokers are:
- Expertise
Insurance brokers have extensive knowledge of the insurance industry and can provide expert advice on the types of insurance policies best suited to a hospital operator’s needs. They can also help with risk assessments and recommend measures to reduce risks.
- Insurance Options
Insurance brokers have access to various insurance products from various insurers. They can help hospital operators compare policies and choose the ones that provide the best coverage at the most competitive rates.
- Customized Policies
Insurance brokers can help hospital operators tailor their insurance policies to their needs. They can help identify gaps in coverage and recommend additional insurance options to ensure the hospital operator is adequately protected.
- Claims Management
Insurance brokers can assist hospital operators with the claims process, including preparing and submitting claims, negotiating with insurers, and ensuring that claims are settled quickly and efficiently.
- Timesaving
Working with an insurance broker can save hospital operators time by handling the details of insurance policies, allowing them to focus on managing their hospital operations.
Insurance brokers can provide hospital operators with expertise, insurance options, customized policies, claims management, and time-saving benefits. By working with an insurance broker, hospital operators can obtain the right insurance policies to protect their business and manage risks effectively.
One of the leading insurance brokers in Indonesia is L&G Insurance Broker.
For all your insurance needs, please call L&G now!
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LOOKING FOR INSURANCE PRODUCTS? DON’T WASTE YOUR TIME AND CALL US RIGHT NOW
24-HOUR L&G HOTLINE: 0811-8507-773 (CALL – WHATSAPP – SMS)
website: lngrisk.co.id
E-mail: customer.support@lngrisk.co.id
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