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Medical Negligence Liability
Legal liability arising from negligence while performing professional medical duties.
Solutions > Medical Malpractice
Protection for Medical Practitioners & Institutions
Medical Malpractice insurance covers the legal liability of a medical practitioner or medical institution arising out of negligence while performing their professional duties, including resulting bodily injury, and meets the costs and expen
Negligence Claims Cover
Protection against medical malpractice liability
Defence Costs Included
Legal costs of defending or settling claims
What is Medical Malpractice Insurance?
Medical Malpractice insurance covers the legal liability of a medical practitioner or medical institution arising out of negligence while performing their professional duties, including resulting bodily injury, and meets the costs and expenses of defending or settling such claims. Medicine carries inherent risk — this dedicated cover protects both individual practitioners and institutions against the financial and reputational impact of malpractice claims.
Highlights
- Covers legal liability arising from negligence in professional medical duties.
- Includes bodily injury — death, injury, disease and mental injury/anguish.
- Defence costs and expenses covered with the insurer's consent.
- Available for individual practitioners and medical institutions (hospitals, clinics).
What is Covered and Not Covered Under Medical Malpractice?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Bodily Injury
Death, injury, disease and mental injury/anguish caused by error, omission or negligent act.
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Defence Costs
Costs and expenses of defending or settling a claim, with the insurer's consent.
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Surgical Procedures
Claims relating to surgical procedures performed in the course of professional duties.
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Diagnosis & Prescription
Claims relating to diagnosis, prescription, referrals, consent and confidentiality.
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Practitioners & Institutions
Cover for individual practitioners and medical institutions (hospitals, clinics).
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Registered medical practitioners (doctors, dentists, specialists, nurses, etc.) and medical institutions.
Documents
Completed proposal form detailing specialty, scope of practice, qualifications and claims history.
Cover Scope
Negligence in professional medical duties, including surgical, diagnosis, prescription and referral exposures.
Rating Basis
Specialty/discipline, scope of practice, number of practitioners, claims history and limit of indemnity.
How to Buy APA Medical Malpractice Insurance?
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Complete the Medical Malpractice proposal form with your specialty and scope of practice.
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Declare your qualifications, claims history and required limit of indemnity.
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Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).
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Receive your policy protecting your practice and reputation.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
The legal liability of a medical practitioner or institution arising from negligence in their professional duties, including resulting bodily injury, plus defence costs.
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“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
