Medical Malpractice Insurance
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Instant online indemnity for South African healthcare professionals.
Protect Your Practice. Protect Your Patients.
In a modern medical landscape, "doing your best" isn't always enough to prevent a lawsuit. Whether you are a specialist surgeon or an allied health professional, SimplyCovered provides a robust financial and legal shield.
Medical Malpractice
Protection against claims of negligence, misdiagnosis, or treatment errors that cause harm.
Professional Indemnity
Coverage for financial losses arising from inadequate advice or breach of duty.
Public Liability
Protection if a patient is injured or their property is damaged on your practice premises.
Tailored for Your Specialty
We don't believe in "one size fits all." Our cover is built specifically for your field:
Doctors & Specialists
High-limit protection for complex clinical risks.
Allied Health
Specialized cover for Physiotherapists, Psychologists, Dieticians, and Biokineticists.
Pharmacists
Protection against medication errors and dispensing slips.
Nurses & Midwives
Indemnity for bedside care and emergency "Good Samaritan" acts.
Essential Benefits Included
| Feature | Why you need it |
|---|---|
| HPCSA Defense | We cover the legal costs for billing enquiries and professional conduct hearings. |
| POPIA & Confidentiality | Protection against accidental data breaches or patient privacy leaks. |
| Statutory Defense | Cover for legal fees if you face regulatory or criminal investigations. |
| Defamation & Reputation | We pay for the legal fight if your professional name is unfairly dragged through the mud. |
| Medico-Legal Advice | 24/7 access to experts so you can manage a crisis before it becomes a claim. |
Why Choose SimplyCovered?
Claims-Made Coverage
Our policies respond when the claim is filed, ensuring you have the highest level of current protection.
Retroactive Cover
Switching from another insurer? We can maintain your original start date so there are no "gaps" in your history.
Month-to-Month Flexibility
No long-term lock-ins. Your insurance grows and changes with your practice.
Paperless Experience
From quote to policy document in under 5 minutes.
Frequently Asked Questions
Is this mandatory?
While the HPCSA strongly recommends it, most private hospitals and medical schemes require proof of indemnity before you can practice or claim.
What happens if I retire?
We offer "Run-off Cover" (Extended Reporting Periods) to protect you against claims that might emerge years after you’ve stopped practicing.
Does this cover my employees?
Yes, our policies can be extended to include vicarious liability for your nurses, receptionists, and assistants.