Medical Indemnity Insurance

Medical Indemnity Insurance

An insurance plan designed for doctors to cover legal liabilities arising from medical negligence.

What it covers

Coverage on incidence occurrence basis

We cover you for any claims

  • arising out of any incident occurring during the Period of Insurance as a direct result of any negligent act, error or omission in conducting the Medical Profession, including Good Samaritan Acts
  • made against you after the end of the Period of Insurance for :
    a. a further consecutive period of two years; or
    b. any further period as NTUC Income may in its absolute discretion decide, and subject to such conditions as NTUC Income may impose
  • on costs and expenses incurred in the defence of settlement of any such claims
  • arising out of the legal liability of your non-professional employees, but only for acts within the scope of their employment and whilst under your supervision, direction and control.
Territory or place of jurisdiction
Limit of indemnity

We cover up to $5 million for any one incident or any one period of insurance.

Period of insurance

We provide coverage for one year from the commencement date. The policy is renewable on a yearly basis.

Main exclusions

This policy does not cover:

  • All known claims, circumstances and allegations that might lead to claims at commencement of the policy
  • War and terrorism
  • Fines, penalties
  • Loss due to dishonest, fraudulent, criminal or malicious acts
  • The operation or management of a blood bank

Premium rates

Important Notes



There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important notes


This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.
All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact NTUC Income or visit the websites of the websites of the General Insurance Association of Singapore (, the Life Insurance Association, Singapore ( or Singapore Deposit Insurance Corporation (

Information is correct as of 21 July 2017

Downloads & forms

How to apply

For enquiries about medical indemnity insurance, please call our hotline:
6788 6616

Can we help?

Get in touch with us for product information and existing
policy support.

Submit a claim

We are committed to a quick and fair claim response.
Learn more about the claim process

Call us
Dedicated claim hotlines

Find us
Claim servicing branches