In today’s medical environment, patients have increasing expectations and do not hesitate to appeal to justice when they believe that there was a medical mistake. A single lawsuit can cost hundreds of thousands of euros – an amount that can financially destroy a physician. Physician & dentist luxury responsibility is not a luxury, but absolute necessity. The good thing is that today you can easily You compare offers from all insurance companies On a platform and find the best price for your specialty.
In this guide you will see everything you need to know: From exactly what an insurance covers to prices for each specialty and comparing the best companies in the Greek market.
What does the Physician & Dentist liability cover
Physician and dentist liability insurance covers your financial protection when a patient is damaged by your acts or omissions in the exercise of your medical duties.
Basic covers:
Bodily harm and death of patients – Damages for damage caused by medical errors, negligence or omission in diagnosis, treatment or surgery.
Moral harm and mental suffering – The compensation for the psychological burden that the patient or his or her family may suffer is covered.
Legal costs and costs – Most companies cover the laws and costs, which can reach up to € 21,000 depending on the company.
Providing First Aid Out of Specialty – If you help someone in an urgent state, even outside your specialty, you are covered.
Use of medical equipment – Damages from the use of radius, diathermy, electrotherapy and other medical equipment.
Categories of Specialties & Prices
It is important to compare bids by different companies, as prices may have significant differences. Tools for calculating premiums They can help you quickly appreciate the cost for your specialty. The categories we usually find in insurance companies are shaped as follows:
Category A – High Risk
Specialties: Gynecologists-Obstetrics, Neurosurgeons, Anesthesiologists Indicative Annual premiums: from 959 € (for a cover limit of 300,000 €)
Category B – medium risk
Specialties: Surgeons of all specialties, Radiologists-Radiologists, Gastroenterologists Indicative Annual premiums: from 770 € (for a cover limit of 300,000 €)
Category C – lower risk
Specialties: dentists, orthodontists Indicative Annual premiums: from 206 € (for a cover limit of 300,000 €)
Category D – Low Risk
Specialties: Pathologists, pediatricians, psychiatrists, general doctors Indicative Annual premiums: from 197 € (for coverage limit 300,000 €)
The coverage limits range from € 50,000 to € 1,500,000 per incident.
Top 5 Insurance Companies – Compare
- Generali – the most generous in discounts
Limits: €30.000 – €1.000.000
Stands out for: 40% discount for specialists and 25% for doctors in state hospitals
Legal Protection: €10.000
Extensive period: 12 months (extension to 24 months with +20% premium) - Atlantic Union – The best price -cover relationship
Limits: €50.000 – €1.000.000
Stands out for: Extensive announcement period of up to 48 months in case of retirement
Medical Cover: € 50,000 (the highest)
Specialty: Specialists and Rural Doctors are subject to the most economical category D - National – the best for public doctors
Limits: €150.000 – €1.000.000
Stands out for: 30% discount for doctors working exclusively in public hospitals
Extensive period: 48 months (at no extra cost)
Peculiarity: Covers and damage from fire/explosion in the clinic - Globe – The Economic Solution
Limits: €50.000 – €1.000.000
Stands out for: Lower premiums
Legal Protection: € 5,000 (optional) - INTERAMERICAN – for maximum coverage
Limits: € 100,000 – € 1,500,000 (the highest in the market)
Stands out for: 25% discount for doctors in state hospitals
Extensive period: Up to 60 months (with an additional 30%premium)
Legal Protection: €10.000
Special Categories & Discounts
Specialized doctors
Generali offers the largest discount with a 40% reduction in premiums. The Atlantic includes them in the most economical category D, while Ergo does not cover them at all.
Rural doctors
Their Atlantic divides in Category D with lower premiums. ERGO covers 15%. Their globe integrates into the category with the lowest premiums.
Public doctors
National has the best offer with a 30% discount for those who work exclusively in public hospitals. Here are Generali (25%) and Interamerican (25%).
Basic exceptions to Physician & Dentist’s civil liability
All insurance companies have similar exceptions you need to know:
Aesthetic interventions – Are not covered unless they are restored after an accident or congenital abnormalities.
Fertility treatments and IVF -fertilization – Out of coverage to all companies.
Uninvited drugs and methods – Anyone who has no approval by AEO or Panhellenic Medical Association.
Transmission of infectious diseases – AIDS, hepatitis and other infectious diseases are excluded.
Clinical trials and experimental treatments – Research activity is not covered.
How to choose the appropriate insurance
- Calculate your needs
Your specialty determines the level of risk. A neurosurgeon needs higher limits than a physician. In general, the limits below € 300,000 are considered inadequate for high -risk specialties. - Extensive period of announcement
Very important feature! It is about the interval after the end of the policy that you can still declare a claim. National and Atlantic are up to 48 months, while Generali 12-24 months. - Claims Made vs Occurrence
All companies use a “Claims Made” system – only the claims raised during the power of the policy are covered. That is why the extensive announcement period is important. - Additional coverage
If you have a private clinic, you need a space responsibility coverage. Legal protection is also important – Generali and Interamerican offer € 10,000.
To see Detailed comparison of all programs And to choose the most appropriate for you, you can consider all the options on a platform.
Conclusion & Next Steps for the Physician & Dentist Civil Responsibility
Doctor & dentist liability is not just an insurance – it is an investment in your professional security and the future of your career. An unbeaten claim can ruin years of hard work.
The choice depends on your specialty, place of work and your budget. Specialists will find the best prices in Generali, while public doctors in the National. For maximum coverage, INTERAMERICAN offers limits of up to € 1,500,000.
Do not let the chance to judge your career. Proper insurance gives you the calm to focus on the most important: the care of your patients.
Alfa Point SA: Pioneers in the insurance industry
A family -run business with values
Since 2001, Alfa Point SA has been established as one of the pioneers in the field of insurance. Founded by experienced Simos Alekozidis, who has more than four decades of experience in the industry, the company represents the value of tradition and credibility.
In the world of insurance, trust is the cornerstone. And when we talk about confidence, Alfa Point SA It has proven its value at every step of its course. With years of delivery in providing high quality services.
The family’s tradition continued with the participation of his children, Yiannis and Giorgos Alekozidis, after completing their studies in London, they joined the business with new dynamic and know -how.
Geographical coverage
The company’s headquarters is in privately owned offices at 12 Polytechniou Street in Thessaloniki, where it operates as a customer service center and its network of partners for all of Greece. Through a carefully designed environment, the company creates a sense of security and confidence for every customer who trusts him with the protection of his property and his loved ones.
Alfa Point SA has established the tradition of quality service and consistency. Regardless of whether someone is a private or business, its services are designed and tailored to each customer’s needs.
Partner Network and Technological Innovations
The company’s investment in technology is a key pillar of its success. Through the application Navajo, It offers affiliated insurance intermediaries an advanced CRM that meets their needs. With the constant evolution of technology, Alfa Point ensures that its partners have the best means to provide the highest quality of service to their customers.
Its partners play a decisive role in its success and development. They are the heart of the business, and its support for them is absolute.
The company is next to them every step, providing the support and guidance they need to grow and evolve. With a dedication to the common work and confidence in their abilities, Alfa Point continues to build a strong and durable relationship based on respect, mutual trust and professional excellence.
Trust Alfa Point SA for your security
With a story rich in experience and success, Alfa Point SA continues to be the choice for those looking for reliable insurance solutions. With specialized staff and advanced technology, the company is constantly exploring new ways to innovate and improve the experience of its customers and partners.