Di Lorenzo Pierpaolo, Paternoster Mariano, Nugnes Mariarosaria, Pantaleo Giuseppe, Graziano Vincenzo, Niola Massimo
Department of Advanced Biomedical Sciences, University of Naples "Federico II", Via S. Pansini, 5 - 80131 Naples, Italy.
Department of Advanced Biomedical Sciences, Naples, Italy, University of Naples "Federico II", 80131 Naples, Italy.
Open Med (Wars). 2016 Aug 2;11(1):256-263. doi: 10.1515/med-2016-0051. eCollection 2016.
In Italy there has been an increase in claims for damages for alleged medical malpractice. A study was therefore conducted that aimed at assessing the content of the coverage of insurance policy contracts offered to oral health professionals by the insurance market.
The sample analysed composed of 11 insurance policy contracts for professional dental liability offered from 2010 to 2015 by leading insurance companies operating in the Italian market.
The insurance products analysed are structured on the "claims made" clause. No policy contract examined covers the damage due to the failure to acquire consent for dental treatment and, in most cases, damage due to unsatisfactory outcomes of treatment of an aesthetic nature and the failure to respect regulatory obligations on privacy.
On entering into a professional liability insurance policy contract, the dentist should pay particular attention to the period covered by the guarantee, the risks both covered and excluded, as well as the extent of the limit of liability and any possible fixed/percentage excess.
When choosing a professional liability contract, a dentist should examine the risks in relation to the professional activity carried out before signing.
在意大利，因医疗事故被指控而要求损害赔偿的情况有所增加。因此开展了一项研究，旨在评估保险市场向口腔健康专业人员提供的保险单合同的承保范围内容。
所分析的样本由2010年至2015年意大利市场上主要保险公司提供的11份专业牙科责任保险单合同组成。
所分析的保险产品以“索赔发生制”条款为架构。所审查的保险单合同均不涵盖因未获得牙科治疗同意而造成的损害，并且在大多数情况下，也不涵盖因美学性质的治疗结果不理想以及未遵守隐私监管义务而造成的损害。
在签订专业责任保险单合同时，牙医应特别注意保障所涵盖的期限、涵盖和排除的风险，以及责任限额的范围和任何可能的固定/百分比免赔额。
在选择专业责任合同时，牙医应在签署之前审查与所开展的专业活动相关的风险。
