Article

Why Nurses Need Malpractice Insurance?

637 views

Nursing, like all forms of medical work, is something that can be quite challenging to handle on a day-to-day basis. The job description consists of handling doctor’s orders, while also mindfully wondering if this is the right prescription or treatment for a patient. You also have to be prepared to break the news to a patient’s family that their grandfather didn’t make it through the night. And you had to deal with many other unpleasant things, like helping patients make it to the restroom and try to assist in lessening their pain, when sometimes the only last option is moral support.

Plus, there is the possibility of serious medical malpractice, especially if it results in either the further injury or death of the patient. Here are a few sad examples of medical malpractice: Cases where the wrong kidney was removed by the surgeon. The doctor who gets the prescriptions for a heart attack patient and a cancer patient mixed up. Or, in cases that may apply to you, where the nurse misreads the doctor’s notes to ensure the patient undergoes exactly the worst possible treatment for his or her condition. Or better yet, the patient who decides to be funny and file a frivolous lawsuit because they don’t feel like working as soon as they need to, costing all involved time and money that could be better spent elsewhere.

Why Nurses Need Malpractice Insurance?

Thus, there are some reasons why nurses should get malpractice insurance if they don’t have it already. Because despite the old tradition of doctors getting all of these types of lawsuits, most organizations involved in healthcare are starting to recognize the contributions of each and every team member, with a laser focus on the area of patient treatments. Normally, when it comes to raises and promotions, this is a good thing. As you may have already guessed just from the previous paragraphs alone, this is not one of those times by any stretch of the imagination.

Even though the whole process of getting insurance is astoundingly tedious and complex, it becomes much easier once you understand every detail. After all, your employer’s policy might not help in issues of this kind; in fact, if you are not employed by them when it is filed or they believe you to be the cause of it all, then you will most likely be denied company coverage. If they do provide coverage, that very likely means they get to choose your lawyer as well. To be sure that your protected, contact Oros Risk for help with picking a policy. In case the worst case scenario does happen, it is better to be covered.

Not to mention that most malpractice insurance policies are relatively cheap, especially when compared to the alternatives. For the most part, your average individual medical malpractice insurance policy is very much in the range of $90-$100 per year. And even though everyone has their own financial situation, for most working nurses that is something that they can easily afford.

Those are the reasons why nurses should purchase malpractice insurance. Even though you may not need it now, there is a reasonable chance that you will if the worst case scenarios happens. Then again, work in the medical industry often involves dealing with the worst case scenario occurring every other weekend. This little rare piece of peace of mind just helps overall.