Library
Everything we’ve published
6 articles on professional indemnity insurance for doctors in India, each built from filed policy wordings, court judgments and regulator data. We publish a few more every week.
Comparisons & verdicts
Carrier-vs-carrier reads of the filed wordings, and who they leave exposed.
- New India vs ICICI Lombard vs HDFC ERGO: Which Doctors' Indemnity Policy Is Better in India (2026)?A clause-by-clause comparison of the three doctors' indemnity policies Indian doctors actually shortlist. We read each filed wording: New India charges no excess but hides its policy document, ICICI's excess eats defence costs, and HDFC ERGO publishes everything then shuts the reporting window the day cover ends.
- IMA Professional Protection Scheme vs Private Indemnity Insurance (2026) — The Honest Comparison for Indian DoctorsIMA's Professional Protection Scheme costs ₹2,500–3,000 a year but caps payouts at ₹10–20 lakh and is not IRDAI-regulated insurance. We compare every state PPS variant against private indemnity policies — caps, fees, defence control and the traps in both, sourced from the scheme rulebooks and filed policy wordings.
- What Professional Indemnity Insurance Costs for Doctors in India (2026) — Premiums by Specialty, SourcedVerified 2026 premiums for doctors indemnity insurance in India: ₹2,360 a year for a radiologist to ₹9,440 for a surgeon at ₹1 crore cover. Every figure insurer-attributed and dated, plus why the two published rate rules of thumb disagree by ten times.
Guides
How the cover works, what to buy, and how much of it.
- Do Residents and PG Students Need Indemnity Insurance in India? (2026) — And the Cheapest Ways to Get ItThe NMC's postgraduate regulations never mention insurance — we searched all 20 pages. Meanwhile seven of eleven insurers cover a junior doctor only if they are named in the schedule, while the nurse beside them is covered automatically. What residents are actually exposed to, and what cover costs.
- Is Professional Indemnity Insurance Mandatory for Doctors in India? (2026) — The Law vs the RealityNo law forces an Indian doctor to buy indemnity insurance in 2026 — the NMC's 2023 regulations never mandated it and are in abeyance anyway. But hospital empanelment contracts and TPA agreements make it compulsory in practice. Here is exactly where the requirement comes from, sourced to the regulations and judgments.
Answers
One question, answered from the policy documents.
Start with the verdict everything else hangs off: the best & worst indemnity policies for doctors in India.