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Insurance--a dental viewpoint. Part IV: Professional risks indemnity
British Dental Journal
|October 8, 1994
Summary
Patient willingness to seek damages has significantly increased, leading to a doubling in claim frequency and payouts for doctors. This trend has drastically raised subscription costs for defense organizations.
Area of Science:
- Medical malpractice and professional liability.
- Healthcare economics and risk management.
Background:
- Professional practice has evolved, marked by a notable increase in patient litigation.
- Medical defense organizations have experienced escalating costs associated with claims.
Purpose of the Study:
- To analyze the trend of increasing patient claims against medical professionals.
- To quantify the rise in claim frequency, payout amounts, and defense subscription rates.
Main Methods:
- Analysis of historical data from Medical Defence Union reports.
- Comparison of claim statistics and subscription costs over different time periods (e.g., 1985-1988 vs. 40 years prior).
Main Results:
- Claims paid out for doctors in Britain doubled in frequency between 1985 and 1988.
- The average amount awarded in claims also doubled during the same period.
- Subscription rates for defense organizations increased fourfold, contrasting sharply with costs from 40 years ago.
Conclusions:
- There has been a significant and rapid escalation in medical malpractice claims and associated costs.
- The financial burden on medical professionals and defense organizations has markedly increased over the last decade.
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