Medical error

“Treatment required as a result of medical error is a common exclusion in private health insurance policies. This is because hospitals and healthcare providers are typically required to have malpractice insurance in place to cover any potential errors. However, it is important for patients to understand the implications of this exclusion and to check with their doctor, clinic, and hospital to determine if they have any additional coverage.

Medical error is defined as the failure of a planned action to be completed as intended or the use of a wrong plan to achieve an aim. Unfortunately, medical errors are more common than many people realize, with estimates suggesting that up to 25% of hospitalized patients in developed countries suffer from adverse events due to medical errors.

To prevent medical errors, several approaches have been suggested at the organizational, team, and individual levels. Healthcare providers and physicians must take responsibility for addressing and preventing medical errors, both from an ethical and legal standpoint.

It is important for patients to be aware of the potential for medical errors and to take steps to protect themselves, such as asking questions, speaking up if something seems wrong, and being informed about the risks and benefits of any medical procedures they may undergo. Additionally, patients should check their insurance policy for any exclusions and discuss any concerns with their insurance provider.”