One mandatory personal liability policy protects damage done when providing services ordered by one contract. The scope and conditions of the insurance are defined by the Act of Ministry of Finance from 23.12.2004 (Journal of Laws No 283, item 2825) about mandatory personal liability insurance of a subject providing medical services.

When should one buy out insurance?

The obligation of buying personal liability insurance arises, the latest, on the day preceding the day of providing the agreed medical service in the public health care centre on the basis of a signed agreement and order.

The basis of signing an insurance contract is the Act of Ministry of Finance from 28.12.2007 about the mandatory personal liability insurance of a health care provider.

It determines the scope and conditions of the mandatory personal liability insurance of a subject providing medical services, for damage done during carrying out his duties assigned by a contract for providing health care. Each health care centre, which wants to provide health care on the basis of a contract with National Health Fund, must buy out such an insurance. It is one of the conditions of signing a contract with the Fund.

When should one buy out insurance?

The obligation of buying personal liability insurance of a health care provider arises, the latest, on the day preceding the day of providing the agreed medical service in the public health care centre on the basis of a signed agreement and order.

What does the insurance include?Deliberate Inter Ochrona ZOZ Insurance includes:

• personal liability for property or personal damage, caused while providing medical services, together with the damage done due to undertaking actions or possessing items used for providing health care,
• personal liability for damage done to rented or leased estate, which is used for professional purposes only, included in the insurance (the personal liability of the tenant),
• personal liability for property damage taken care of, supervised or controlled by the Insurer,
• personal liability of the Insurer's sub-contractors.

We provide opportunity of extending the insurance with transmitting contagious diseases and infections, including HIV infection and hepatotrophic viruses causing viral hepatitis (excluding food poisoning) and personal liability insurance of an employer for accidents in the workplace.

How does it work?

The insurance contract can be signed in terms of one of the two available temporal responsibility options:

Act committed insurance
TU INTER Polska S.A. provides insurance protection in terms of acts causing damage, which were committed during the insurance period. The rule of acts committed during the insurance period provides protection against claims (also after the insurance period ends) referring to the events, which took place during the period of policy validity.

Claims made insurance
TU INTER Polska S.A. provides insurance protection in terms of past accidents (damages) and claims made for the first time in writing during the insurance period. In case of changing conditions or breaching the continuity of the insurance, the starting date is assumed to be the date TU INTER Polska S.A. took responsibility in the new contract.

If the insurer signed a contract with TU INTER Polska S.A. in the past insurance period, which was based on claims and was continued without interruptions, the insurance protection provided by the Association is extended onto the claims for damages, which were caused by events from before the current insurance period, however, not earlier than the beginning of the insurance period in the first of the contracts signed with the INTER Association (determined on the basis of the starting date).