Facial harmonization is on the rise. Many dentistry professionals have started to train themselves to work in this area so sought after by patients – with this, insurers had to adapt their products to meet the high demand for professional civil liability insurance for professionals who work with harmonization. Orofacial – because many were limited to covering the most common risks such as orthodontics, implantology, and oral and maxillofacial surgery until then.
Today, most insurance companies have already adapted to this new area of activity for dentists, but some care must be taken when hiring.
What does professional indemnity insurance cover?
These are the three main insurance coverages – there may be additional coverages according to each malpractice Insurance company’s package.
Basic Coverages
- Defense costs for possible patient claims arising from professional failure
- Judicial Indemnities
- Extrajudicial Agreements (with the consent of the Insurer)
Additional Coverages
- Acting as clinical director / technical manager
- Working with team leader/preceptor
- Extension for a legal entity (according to rules)
Care when hiring your professional civil liability insurance for dentists who work with HOF
- Some Insurers only cover when the professional has a specialist title – but we know that the title is not so easy to obtain in practice, especially in such a new area. So, if you are working with HOF but do not have the title of specialist – look for an insurance company that does not make this requirement.
- Insurance companies support some types of more common procedures such as botulinum toxin and support threads but do not support more invasive procedures such as double chin lipo or discectomy.
- There are still options that do not support procedures with an aesthetic purpose – these should not be contracted as the HOF has a completely aesthetic focus.
Dental professionals often already have an insurance policy and forget to notify the Insurer about the new area of activity – this update is very important and checks if the Insurer has coverage restrictions that may impact their coverage.
Another important piece of information – is that no Insurer covers promise of results or the simple dissatisfaction of a patient – as it would go against the professional code of ethics.
After all, what’s the best option then?
The truth is that there is no absolute answer – each case must be analyzed individually so that the option that will meet the needs of the insured at the time of an eventual process is contracted
