MEDICAL PROFESSIONAL LIABILITY INSURANCE: MUTUAL INSURANCE OR CONTRACT WITH AN INSURANCE COMPANY?

DOI: 10.22138/2500-0918-2025-22-1-102-112

A.A. Salykin¹, E.V. Chesnokov², A.A. Kurmangulov²

¹ Independent researcher, Moscow, Russian Federation;
² Tyumen State Medical University, Tyumen, Russian Federation

Abstract. Aim. Analysis of individual cases of settlement of claims of patients against medical organizations of the Tyumen region using the current contract of collective insurance of civil liability of medical organizations – members of the Tyumen Regional Medical Society. Materials and methods. As the material for the study, we selected our own data on claims of third parties (patients or their relatives) against medical organizations in the Tyumen region, whose liability was insured under a collective insurance contract. Analysis period: 2016-2023. The general procedure for working with complaints and claims from patients is considered, and an analysis of a number of cases from the practice of the Tyumen Regional Medical Society is provided, which led to the payment of compensation for harm caused to patients and their relatives. Practical recommendations are given for choosing the terms of professional liability insurance for doctors. The relevance of the professional liability insurance mechanism is shown as a way to protect the property interests of medical organizations and doctors related to patient claims. Conclusion. To obtain high-quality insurance protection, it is important for the policyholder and the insurer to agree on all the essential terms and conditions of it at the stage of concluding an insurance contract. The experience of the Tyumen Regional Medical Society shows that this makes it possible to settle claims of patients against medical organizations in the Tyumen region using the current collective insurance agreement for civil liability of medical organizations

Keywords: professional liability, medical professional liability insurance, insurance protection, medical activity, Tyumen region, risk, medical worker, medical error

There is no conflict of interest.
Contact information for the corresponding author:
Albert A. Kurmangulov
79091810202@yandex.ru
Received: 20.05.2024
For citation: Salykin A.A., Chesnokov E.V., Kurmangulov A.A. Medical professional liability insurance: mutual insurance or contract with an insurance company? [Online] Vestn. Ural. Med. Akad. Nauki. = Journal of Ural Medical Academic Science. 2025, Vol. 22, no. 1, pp. 102–112. DOI: 10.22138/2500-0918-2025-22-1-102-112 (In Russ)

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Authors
Alexey A. Salykin
Independent researcher
Moscow, Russian Federation
salykin@mail.ru

Evgeniy V. Chesnokov
Tyumen State Medical University of the Ministry of Health of Russia
MD, PhD, Professor, Director of the Institute of Public Health and Digital Medicine
Tyumen, Russian Federation
chesnokovev@tyumsmu.ru

Albert A. Kurmangulov
Tyumen State Medical University of the Ministry of Health of Russia
Doctor of Medical Sciences, Associate Professor, Professor of the Department of Public Health and Healthcare
Tyumen, Russian Federation
79091810202@yandex.ru