[Professional indemnity insurance for anaesthetists--tips and risks]

In view of patients' increasing expectations the civic liability of physicians is gaining more and more importance. In order to prevent them from the risk of indemnifications to be paid out of their own pocket in the event of loss, a profound professional indemnity insurance becomes necessary. The professional activity of an employed physician is often covered through his employer; however, whether sufficient or not is always subject to an individual case-by-case review as to the limits of indemnity and the risk of a possible regress. Only after definition and verification of the concrete insurance needs (e.g. subsidiary activities), the physician is in the position to decide upon his individual professional indemnity insurance, taking his personal (remaining) risk into account. Thus, superfluous double insurance and insurance gaps can be avoided.