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The doctor will purchase "refund insurance" and pass that cost along in the monthly retainer.
by dstroot 5y ago
The doctor will purchase "refund insurance" and pass that cost along in the monthly retainer.
- gruez 5y agoYeah that just passes the buck to someone else (the insurer), who is incentivized to investigate malfeasance.
- gwerbret 5y agoFair point, but if the client does develop a preventable condition, it would be easy to show this is due to dereliction/negligence on the part of the physician, so the insurance would not pay out. If the client came down with a condition and the physician was not negligent, the condition would likely be non-preventable, wherein the refund clause wouldn't apply, anyway. Thus, regardless of outcome, insurance can never pay out, and the physician retains all the liability, i.e. no use for insurance.
- pc86 5y agoHow is it "easy" to show negligence?
- catlikesshrimp 5y agoSome insurance policies must not exist. Malpractice policies must not exist. I am sure if I asked my mates they would all disagree with me on this. Bad luck for the patients.
- oaktrout 5y agoWithout malpractice insurance, would doctors be incentivized to not take on risky patients? Risky could be defined as litigious (I know this patient has sued another doctor before) or medically difficult to treat (this patient needs this surgery but they are at high risk of poor outcome due to their current state of health). Having sued a doctor once, you might never be able to get medical treatment again.
- pc86 5y agoWhich would also disincentivize ridiculous lawsuits that you'd almost certainly lose.
- lotsofpulp 5y agoIt would also disincentivize legitimate lawsuits.