Rowlin Medmal

Rowlin National Brokers (Pty) Ltd is able to offer one stop all encompassing insurance solution tailor made to include your Professional Indemnity for Medical Professionals (Medmal), practice insurance, personal accident as well as personal insurance including vehicle cover and value added products such as concierge, roadside and home assist.

Quotations to be sourced from specialist medical malpractice Insurers across all specialties – subject to a completed proposal form and insurers underwriting.

• Rating according to doctor’s individual merit.
• Occurrence based premiums remain stable for a minimum of 3 years, alternatively claims made with extended reporting period and retro-active date.
• South African risk rated premiums which are VAT deductible Comprehensive legal representation at HPCSA and for Civil claims.
• Indemnity cover ranging from R1 to R100 million per claim.
• Insurers and broker are registered with FSCA (Financial Sector Conduct Authority).
• Legal support and expert defense.
• Mediation as part of advocacy process.
• Policy can be extended on retirement to ensure ongoing cover.
• Doctor’s have the right to take up their own defense up to a pre-negotiated sum from the Insurer.
• Good Samaritan Acts are covered.

We understand that Professionals have different needs and thus two options are available depending on your circumstances and requirements.

1. Occurrence Based – Doctors are protected for claims that result from any incident that occurs whilst being a policyholder, irrespective of when the claim is made and includes the time after a policy has been cancelled. If you currently have Occurrence-Based cover, your previous insurer or protection society will continue to indemnify you for claims resulting from adverse incidents that occurred during the period of your insurance or membership, in line with the benefits associated with your cover.
2. Claims-made – Claims-made cover where protection is only offered for incidents reported to the insurer whilst premiums are being paid (i.e. it provides protection for incidents that both occur and are reported during the policy period, regardless of then a claim is received). Depending on the retroactive date of the policy in force, it may also include claims that relate to adverse incidents that occurred prior to the claims-made policy being issued and of which the doctor was unaware at the time if taking out the policy.
   If you currently have Claims-Made cover, all matters notified to your previous insurer or protection society during the period of your insurance or membership will still be covered by them irrespective of when a claim is made, in line with the benefits associated with your cover.

Medical malpractice is an area of unimaginable complexity with the main aim to control malpractice costs and create a system which benefits medical professionals, patients and the healthcare system as a whole.

There has been a rise in medical malpractice claims in the past which has increased the concerns of medical professionals and heightened their interest in sourcing alternative avenues for professional indemnity cover. There are a few insurers which have specialised in the cover as part of their offering.

Insurance companies are regulated by the Financial Sector Conduct Authority in terms of their financial stability and soundness therefore assisting in protecting the countries financial standing. Prescribed amounts of premium are built up as reserves for defending future claims as well as solvency reports submitted to monitor and ensure financial sustainability. In this way Medical
professionals are protected now and in the future.

• Short-term insurers and mutual organisation are not mutually exclusive.
• A Short-Term insurer is a company licensed to do business in terms of the Company’s Act 2008 and registered as a financial services provider (FSP) in terms of the FAIS Act, 37 of 2002, its Codes of Conduct and Board Notices. The Short-Term insurer underwrites policies in a manner that is compliant with the Short-Term Insurance Act, 53 of 1998. In doing so, the Short-Term insurer complies with market conduct and policyholder protection requirements implemented to protect the rights of you, the policyholder.
• In addition, the conduct of the Short-Term Insurer falls under the auspices of the Ombudsman for Short Term Insurance who provides support to policyholders on all issues relating to complaints between the you as a policyholder you and the insurer.
• A Mutual is an organisation that is owned collectively by its members who are also its customers. For policyholders to enjoy the same legal protection as above, the Mutual must be registered as a FSP.
• It is thus important that policyholders obtain proof of FSP registration when purchasing professional indemnity cover.

Rowlin National Brokers is one of the few composite Brokers who has for over 25 years provided insurance services nationally across all aspects of Short term and Long term insurance cover, who also specialises in medical practise risk insurance.

Rowlin has earned the trust and confidence of our clients as well as the Insurers we represent and are proud to announce we are the select broker and approved partner for ISAPS Revisions Insurance.

ISAPS and Rowlin Medmal Brokers are working together for an insurance offering in South Africa which is exclusively for Aesthetic Plastic Surgeons.

Revision Insurance allows cosmetic plastic surgeons to provide their patients with additional protection which ultimately provides surgical excellence, patient confidence and reassurance for all parties involved.

In the event of a complication developing within 2 years of the original procedure, the revision insurance will pay up to the chosen indemnity for the theatre, anaesthetist and hospital/clinic as well a predetermined value for surgeon fees.

Cover can be taken out by the member surgeon on completion of an application form and submission of ISAPS membership number. Surgeons and clinics will only be accepted for ISAPS Insurance cover if the surgeon is a specialist in the surgery they offer, a member of a reputable specialist professional association and has low complication rates.

1. Allows for any further surgery to be done timeously without the extra financial burden to the patient or surgeon.
2. Covers the surgeon which means that the patient is not required to provide any information directly to the insurer.
3. Transparent premiums which are easily calculated based on the procedures and levels of indemnity.
4. Simplistic and easy to use as only the list of patients the member surgeons wish to cover need to be provided on a monthly basis.
5. Claims decisions may be made within 48 hours.
6. Hassle free claim submission – Claim form as well as pre and post op photos alongside any relevant patient notes required.
7. Extensive number of Aesthetic procedures which are covered as detailed overleaf

For the team at Rowlin, insurance is what we are all about. We understand that your possessions and financial future are important, which is why we go the extra mile to make sure that they are well protected. In today’s complex environment you need a skilled, experienced broker at your side, one who understands your specific needs and is looking after your interests – something the team at Rowlin take very seriously and therefore are able to offer hassle free migration when dealing directly with Rowlin National Brokers (Pty) Ltd Brokers (Pty) Ltd