Clinic insurance

Malpractice insurance covers patient compensation and legal defense. Limits vary by specialty: surgery/dentistry costs more than general practice.

Equipment (ultrasound, X-ray) — against damage/theft. Landlord insures the building; your equipment is yours to insure.

Patient database leaks, ransomware on the EHR. A policy covers data recovery and leak liability.

Workplace injury — mandatory social insurance, voluntary top-up for doctors. Infection risks — separate options.

Typically NOT covered: intentional damage, unlicensed practice, pre-existing conditions. Read the general terms, not the brochure.

Insurer with medical specialization, deductible <1% of limit, payout term in the contract. A cheap policy without the insurer's litigation track record is fake protection.