PATIENT MEDICAL MALPRACTICE INSURANCE (PMMI) COVERAGES |
Patient Medical Malpractice Insurance (PMMI) from Aos Assurance Company Limited has been designed to provide financial relief should a medical malpractice occur while you are out of the country having a scheduled medical/surgical procedure performed.
Unfortunately medical malpractice can occur anywhere in the world, including by your doctor or at your neighborhood hospital. What matters after a medical malpractice has occurred is- what is my recourse NOW?
If you are in a developed country you can sue as there are established laws pertaining to medical malpractice. However if you are in a developing country, the legal system may not provide the same recourse.
PMMI will
provide you with the security to make the decision to go out of the
country for a medical/surgical procedure knowing that if the
unthinkable happens you will have the money to recover and get your
life back on track!
Elements of your coverage
Wage loss
PMMI provides up to 85% of your lost wages up to age 65 or for a period of 2 years if you are still working past age 64. The maximum amount payable will be based on the limit of liability you choose.
Cost to repair
This coverage is to provide you with the cash you need to repair or pay for the correction to the damage that has been done to you. Aos will provide you with the cash to remedy your situation.
Out of pocket expenses
This is an allocation to assist you with your out pocket expense incurred during your convalescence. This would include items such as:
Ø travel expenses to the medical facility to correct your damages
Ø meals and accommodations during your corrective procedure
Ø dependant care for you and your dependants while you are undergoing corrective treatment
Ø medically necessary modifications to your abode medications to assist in your living
Rehabilitation
We provide the funds to pay for physiotherapy to assist in the healing process. Rehabilitation is an integral part of getting you on the road to recovery quickly.
Severe disfigurement
We understand how difficult severe visual physical scaring and discoloration can be and how often it does occurs as a result of negligent injury. We have built-in damages awards for such unfortunate occasions.
Loss of reproductive capacity
Loss of the ability to have children could be devastating not only to you but your whole family. We have built-in damage awards should this occur.
Death
If death should occur as a result of negligent injury, no amount of money will rectify the situation. Aos will pay the maximum limit of liability allowed under your policy to help assist your family in their healing process.
PMMI Features and Benefits
- Anyone from around the world can purchase our product
- We settle with you up front so you know exactly how much money you have
- You are in control and determine how you wish to spend your settlement
- You can choose either a lump-sum or a structured settlement payment
- No on-going submission of expense reports for approval of medical payments
- PMMI only covers procedures performed at JCI medical facilities being performed by US board certified doctors or international equivalent. When you purchase the PMMI you will have the security of knowing that we have pre-approved the medical facility and doctor for your safety
- We endeavor to handle and settle claims in accordance with the norms of your home country with claim adjusters local to you who understand your country customs and standards
- No deductibles or coinsurance
- No medical underwriting or medical questionnaire to fill-out to purchase
- You can purchase in the privacy of your house online and approval in most cases is immediate
- There are no lawyers or lawsuits involved and claims are estimated to be settled 80 percent faster than in the traditional litigation environment.
The rising cost of quality healthcare means making the right choices for you and your family is critical. The PMMI was designed to empower you and your family with the security to choose the right medical solution from around the world.
Application for PMMI Coverage - Click Here
PMMI Product Overview - Click Here
Quick quote - How much PMMI costs for your procedure - Click Here
To view a specimen PMMI policy - Click Here
