Frequently asked questions
Is a professional liability insurance mandatory?
For most medical and healthcare professions, professional liability insurance is required by law.
Will I also get insurance coverage in the event of a loss for which I am not liable?
Yes, as part of the insurance coverage, Zurich will also provide defense against unjustified claims.
The benefits of the basic insurance also include legal protection in criminal proceedings. Do I still need a separate legal protection insurance?
Yes, legal protection provided in the context of professional liability insurance is limited to liability law in connection with an insured claim. Our subsidiary Orion offers a product specially developed for doctors and qualified medical professionals which supports you e.g. in disputes with health insurance carriers regarding TARMED.
Is the increased statutory limitation period for bodily injury of 20 years also insured?
Yes, since the insurance covers legal liability, claims based on the adjusted statutory limitation are generally insured.
Is insurance coverage still provided, if the policy is canceled as a result of closure of the practice or death?
Yes. Within the scope of the insurance coverage, there is also coverage provided for claims made against you or in the event of death your surviving dependents after the termination of the contract.
Am I also insured for medical activities in a hospital?
Yes, you are insured for your work in a hospital or clinic as part of the insured activity. If you are already insured by the hospital, there is subsidiary coverage through your professional liability insurance.
What is the recommended sum insured is?
Zurich recommends a sum insured of CHF 5-10 million for medical and healthcare professions, depending on the type of activity.
Can the start date of a policy be in the past?
No, this is not allowed.
What if I can't find the insurance coverage I want online?
Simply contact your nearest Zurich agency or call us toll-free at 0800 80 80 80.