KK (suffering from cancer-terminal stage) was admitted to the hospital in Kanpur City. He felt difficulty in breathing. The duty nurse called some doctor to attend to the patient. No doctor turned up for 20 to 25 minutes
CS Professional · Insurance - Law and Practice · PYQS · December 2019
KK (suffering from cancer-terminal stage) was admitted to the hospital in Kanpur City. He felt difficulty in breathing. The duty nurse called some doctor to attend to the patient. No doctor turned up for 20 to 25 minutes. Then the appellant Doctor and another Doctor came to the patient's room. An oxygen cylinder was brought and connected to the mouth of the patient but the breathing problem increased further. The oxygen cylinder was found to be empty. There was no other gas cylinder available. Later, the patient was declared dead. An offence under Sections 304-A/34 Penal Code, 1860 was registered and charges filed against the doctors. Doctor's petition to High Court to quash the charges was dismissed. According to the appellant, the deceased KK was suffering from cancer in an advanced stage and as per the information available, he was, in fact, not being admitted by any hospital in the country because of his being a case of cancer at terminal stage. He was only required to be kept at home and given proper nursing, food, care and solace coupled with prayers. But his sons, who were very influential persons occupying important positions in Government, could prevail over the doctors and hospital management and got the deceased admitted as an inpatient on compassionate grounds for regulated medical treatment and proper management of diet. It was abundantly made clear to the informant and his other relations who had accompanied the deceased that the disease was of such a nature and had attained such gravity, that peace and solace could only be got at home. The patient was treated with utmost care and caution and given all the required medical assistance by the doctors and paramedical staff. The complainant and his relations, who were misguided or were under mistaken belief as to the facts, lodged police report against the accused persons which was wholly unwarranted and uncalled for. The Hon. Court in its judgment concluded that : A simple lack of care, an error of judgment or an accident, is not proof of negligence on the part of a medical professional. So long as a doctor follows a practice acceptable to the medical profession of that day, he cannot be held liable for negligence merely because a better alternative course or method of treatment was also available or simply because a more skilled doctor would not have chosen to follow or resort to that practice or procedure which the accused followed. When it comes to the failure of taking precautions what has to be seen is whether those precautions were taken which the ordinary experience of men is found to be sufficient. So also, the standard of care, while assessing the practice as adopted, is judged in the light knowledge available at the time of the incident, and not at the date of trial. A professional may be held liable for negligence on one of the two findings: either he had not possessed the requisite skill which he professed to have possessed, or, he did not exercise, with reasonable competence in the given case, the skill which he did possess. The standard to be applied for judging, whether the person charged has been negligent or not, would be that of an ordinary competent person exercising ordinary skill in that profession. It is not possible for every professional to possess the highest level of expertise or skills in that branch which he practices. The test for determining medical negligence as laid down in Bolam's case [1957] 1 W.L.R. 582, 586 holds well in its applicability in India. The jurisprudential concept of negligence differs in civil and criminal law. What may be negligence in civil law may not necessarily be negligence in criminal law. For negligence to amount to an offence, the element of 'mens rea' must be shown to exist. For an act to amount to criminal negligence, the degree of negligence should be much higher i.e. gross or of a very high degree. Negligence which is neither gross nor of a higher degree may provide a ground for action in civil law but cannot form the basis for prosecution. The word 'gross' has not been used in Section 304A of IPC, yet it is settled that in criminal law negligence or recklessness, to be so held, must be of such a high degree as to be 'gross'. The expression 'rash or negligent act' as occurring in Section 304 A of the IPC has to be read as qualified by the word 'grossly'. To prosecute a medical professional for negligence under criminal law it must be shown that the accused did something or failed to do something which in the given facts and circumstances no medical professional in his ordinary senses and prudence would have done or failed to do. The hazard taken by the accused doctor should be of such a nature that the injury which resulted was most likely imminent. Discuss the underwriting factors considered for premium calculation in a Doctors' Professional Indemnity Policy.
Answer & Explanation:
The underwriting factors considered for premium calculation in a Doctors' Professional Indemnity Policy is based on several aspects. A Doctor's Professional Indemnity insurance policy covers the financial liability which doctors and medical practitioners face if they commit any negligence or errors in discharging their duties. In the case of doctors, human life is at stake. If there is any error or mistake, the patient might die or face severe physical injuries or become disabled. Due to such contingencies, doctors might be sued by the patient for their mistakes. In case of litigation, heavy expenses are involved. A doctor's professional indemnity insurance policy takes care of these costs. It covers defense costs and also pays the required settlements to injured patients. Premium for a doctor's professional indemnity insurance policy is calculated taking into consideration the sum insured opted and the level of risk. Moreover, there are various other factors which determine the premium calculation. The doctor's professional indemnity insurance cost can also depend on the following- Risk group of doctors Limits of indemnity selected Ratio of limits Here are the factors based on which the premium for a doctor's professional indemnity insurance policy is calculated - Sum insured - the higher the sum insured opted by the policyholder, the higher would be the premium payable. Nature of practice - certain doctors who are specialized in their fields and handle high risk cases face higher risks than general physicians. So premiums for a doctor's professional indemnity policy taken for cardiologists, gynecologists, oncologists, etc. would be higher than premiums for a policy taken on a general physician. Number of individuals covered - if a medical establishment buys a policy covering the medical practitioners working there, the premium would depend on the number of individuals covered under the policy. The higher the number of insured individuals, the higher would be the premium rate. Limits of indemnity and their ratio - a doctor's professional indemnity insurance policy works on the concept of Any One Accident (AOA): Any One Year (AOY) limit. AOA is the maximum claim payable in any one accident while AOY is the total loss covered under the policy in a year. The limits selected and their ratio determines the premium payable. The size of the establishment - the size of the hospital or the clinic which is buying the policy also determines the premium. The larger the size of the establishment, the more risk it would tend to face and hence the higher would be the premium. Experience of the doctors - doctors learn with experience that is why the risk of mistakes reduces if the doctor is experienced. The premium would, therefore, depend on the experience of the medical professional being covered. If the doctor is experienced, their premiums would be relatively low and vice-versa. Claim history - the past history of claims has a direct effect on the premiums. If there have been past claims, the premium charged would be higher. Deductible selected - every doctor's professional indemnity insurance policy has a limit of the deductible. This deductible limit is the claim which is borne by the Policyholder himself. If a relatively higher deductible limit is selected, the claim burden for the insurance company reduces and so the premiums are also reduced. These are some of the most important factors which affect the premium charged by a doctor's professional indemnity. The premium, therefore, is not uniform. It varies from policy to policy and is calculated taking into consideration the above-mentioned factors.
Topics: Professional Indemnity Insurance
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