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Yes, as part of the insurance coverage, there is also insurance coverage against claims made against you or, in the event of death, your heirs after the contract has expired.

Yes, with the spoilage coverage, your medications are covered in the event of your refrigerator suffering a technical defect. The insurance covers spoilage of the insured's own goods stored in freezing or refrigeration facilities at the insured location. Goods belonging to third parties are also insured under certain conditions. The necessary costs for the restoration, new procurement or disposal of the spoiled goods and for cleaning the deep freeze or refrigeration facility will be compensated.

With the new all risks coverage under the property insurance, negligent damage caused by employees or patients is covered. With this solution, you are comprehensively insured and can completely focus on your practice, employees and patients.

Cyber insurance is a good idea even in this situation – for two reasons:

1. In the case of a complex cyberattack that, for example, encrypts data and subsequently demands a ransom, even good IT specialists quickly reach their limits. An insurance company’s professional partner network with IT and legal experts is then the decisive factor for quick and adequate damage control.
2. With modern IT infrastructure, you will already be making a significant contribution to preventing cyber incidents. However, beware of the fact that most hacker attacks are influenced by human factors with people often being the gateway (e.g., by opening an email attachment). Appropriate prevention services, such as cyber security training from Zurich, can represent a sensible addition.

• Cyber data and system restoration:
  Treatments and patient management are planned and supported through information systems. Patient dossiers are being increasingly digitalized and make the work of treating personnel easier. Not much works these days without these systems. It is, therefore, central that damaged data as well as devices infected with malware are restored or cleaned as quickly and effectively as possible.
• Cyber third-party liability:
  The healthcare sector works with confidential data. Should an insured person experience a data protection breach due to a hacker attack, unintentional disclosure or theft, Zurich will cover the compensation of justified claims and/or defend against unjustified claims.
• Cybercrime:
  Even if your e-banking data is affected by a cyberattack, this damage is covered. This can, for example, be of great significance regarding salary payments to employees.

Yes, because the legal protection provided for in the professional indemnity insurance is limited to legal proceedings in connection with an insured liability event. The legal protection insurance also covers other criminal proceedings for negligent infringement of legal regulations. Orion offers a product specifically developed for doctors and other certified medical professionals to receive assistance with their own damage claims against third parties. The product also offers assistance with many other matters, e.g., for disputes with the health insurance provider relating to TARMED.

Yes, with our innovative pension solution, the Vita Collective Foundation, savings can reach their full potential. With “Autoinvestment,” you benefit from an investment mechanism tailored to the needs of your practice. The resulting returns benefit you and your employees completely and directly – without cross-financing and redistribution. Your practice is managed like a separate pension fund.