Yes, this Insurance Programme is exclusively offered to ACM members. Non-members or those with expired memberships are not eligible to purchase this insurance program.

• The first of-its-kind medical malpractice product for chiropractors in Malaysia.
• A fast and efficient online portal to purchase medical malpractice insurance.
• Working together with Chubb, the world's largest publicly traded property & casualty Insurance Company.
• Fast and efficient claims process as our insurer is in Kuala Lumpur, Penang, JB, and many other cities in Malaysia, and can manage claims efficiently.
• Clients can seek advice from the insurer’s panel of solicitors or appoint the legal counsel of their choice who has medico-legal experience but this (is) subject to the approval of the insurer.

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·         It covers worldwide except for USA/Canada.

·         Claims must be heard in Malaysian Courts Only.

There is no classification in The RightClick policy. All chiropractors are classified under Chiropractor.

·         ·         Choose your plan and purchase via the online platform

·         It's fast, easy and accessible by all.

·         The policy is underwritten by Chubb, the world’s largest publicly traded property and casualty Insurer.

·         They have the local capacity within Malaysia to pay claims without a need to have the risk reinsured to another reinsurer which may delay the claim process as it will go through additional layers of loss investigations and approval of the insurers.

·         Renewals can be done easily by you online and there will be reminders before the expiration of the policy period

·         Encourages you to opt for alternatives dispute resolutions methods such as mediation for quicker disposal of the claim.

·         If you have been insured with us for a minimum of 5 consecutive years, we will be offering free unlimited run-off coverage for you to be covered during your retirement years.

·         For example, if you are retiring in less than 5 years, you can always inform us and proceed to purchase the run-off coverage with a slight additional premium.

·         Regulator’s Inquiries are covered as well.

·         We are among the most competitive in terms of pricing in the market.

·         We have our legal experts in the medico-legal field ready to be engaged for you, nevertheless, you will (be always) given the option to choose your legal counsel to represent you but this is subject to the approval of the insurers.

·         You can contact us via WhatsApp or the website as we are always available to assist with your inquiries via these channels.

If there is a change in practice location but still under the same categorization you only need to inform us of the address to enable us to update the system without any additional charge.

Refund is possible but they would be subject to the insurer’s approval.

You can still report a loss within 90 days from the policy expiry date.

Our policy is underwritten by Chubb and is under Conventional insurance.

We believe it to be an allowable business expense therefore there would be a tax exemption.

• However, it is advisable to clarify this with your tax consultants as they are more qualified to advise on tax-related issues.

The premiums are paid yearly.

Premium can be paid via IBG to Minaris Corporate Solutions – Maybank Ac No : 5570 1386 7802.

Premium sustainability depends greatly on claims paid for the year and the size of the premium pool. We urge more chiropractors to sign up as soon as possible thus making the pool larger and able to withstand more claims.

There will be a minimum of 10% charge for cancellation before or after the policy inception date. However, once the policy is incepted, the refund of unused premiums (if any) is subject to the approval of the insurer.

·         Professional Negligence.

·         Legal representation at inquiry

·         Vicarious Liability

·         Good Samaritan Act

·         Unintentional infringement of any intellectual property.

·         Loss of document

·         Defamation

·         Nil Excess

·         Unlimited Run-Off coverage

·         Advance for defence and legal representation cost

·         Emergency defence costs

·         Aggravated Damages (additional 10% premium)

·         Public relations cost

·         Unlimited Retroactive Date

·         Unlimited Run-Off refers to the time you have stopped premium payment and practise and the policy continuing covering you for your past professional practise.

·         For retiring chiropractors, we offer unlimited run-off cover without any additional premiums if they have been insured with us for a period of 5 consecutive years. If chiropractors plan to retire in less than 5 years, the chiropractor can pay an additional premium to start their run-off cover accordingly.

·         We do not offer short term insurance policy but your chiropractor can buy insurance for the period till the end of the year or next year as per the system. He/she should hold on to the policy thereafter for some time to protect against any claims that may arise from thereon. Since the chiropractor is from overseas, he/she must check if he is qualified to practice in Malaysia.

·         The Insurance will only cover healthcare professionals who are licensed to practice in Malaysia.

Yes, The RightClick provides unlimited retroactive coverage. This means the Chiropractors would be covered from the day he/she started his/her practice against any unknown claims.

The policy can be obtained upon submission of proposal and payment of premium.

·         The minimum duration is 6 months and the maximum duration of policy is 18 months.

·         The policy will always end on 31st December. Policies effected between 1st January – 30th June will provide coverage until the end of that year only.

·         Policies effected on or after 1st July will provide coverage until 31st December of the next year.

Yes. We do provide coverage for the chiropractors in any location irrespective of the address mentioned in your APC. All our policies cover practice worldwide except for the USA/Canada.

No. The insurance will only pay for legal costs and the medical damages, not for the loss of income of the chiropractor.

The coverage is proposed to be in accordance with the risk level of the type of work the chiropractor is responsible for.

Yes, we can offer run-off coverage with an additional premium charge. But if the chiropractor is insured with us for 5 consecutive years, the unlimited run-off coverage is free of charge.

Yes. The policy does cover legal expenses to represent you during the regulator’s inquiries.

If the insurer agrees that the appeal is necessary, they will bear the cost for it. The policy states the procedure for determining whether the contest should be escalated to appeal or to settle.

Yes, you are covered.

Yes, you are covered for public relations but NOT counseling.

1.  Do we still cover him? ANSWER: Yes
2. What will be the coverage? ANSWER: As per the Insured’s latest policy benefits immediately before the Run-Off.
3. What if he wasn’t insured in that year, 2019? ANSWER: He would still be covered as our policy offers Unlimited Retroactive Date.
4. Is an Unlimited Retroactive Date applicable while someone is on Run-Off coverage with us? ANSWER: Yes.

Aggravated damage is the special and highly exceptional damage awarded to a defendant by a court when his/her conduct amounts to tortious conduct subjecting the plaintiff to emotional and malicious circumstances.

There are four limits of liability offered under The RightClick scheme – RM 500k, RM 1Mil, RM 1.5Mil and RM 2MIL.

·         Not advisable. Insurer’s permission will need to be sought.

·         The run-off coverage is only free if you had been on the same coverage for the last 5 years.

·         So, you may want to stick to coverage that offers you peace of mind during your retirement.

Yes. Claims are paid to the limit of the sum insured. You may have multiple claims but the insurer will pay up to the aggregated limit of the policy for the total of all claims.

• At the moment we do not have such a provision but we may work on this classification if there is such demand in future.
• In the meantime, we might suggest that you choose the coverage within your budget.

Yes. An online renewal link will be sent to you 3 months prior to the policy expiry date which would allow you to renew your policy within a few minutes. Alternatively, you can also choose the “Renew” option from our website (provide the link) to start processing your renewal within minutes.

You can start the renewal process three months before the end date of the policy.

We will send you a renewal link that allows you to renew within a few minutes. Alternatively, you can also choose the “Renew” option from our website to start processing your renewal within minutes. The system will help prefill your renewal application for you to review before you make the renewal payment.

• Medical Malpractice is likely to cause pain and loss to patients that cannot always be remedied with financial compensation alone. At the same time, we believe that no chiropractor would have intentionally caused pain to any of his/her patients.
• In the litigation process, inevitably only one party is favored over the other. It is in this respect we strongly recommend professional mediation as the first course of action to achieve a suitable outcome that is positive for all parties. At the same time, we are confident in our panel of well-qualified and experienced panel of medicolegal lawyers who can achieve successful outcomes through mediation and protect our client’s interests should litigation be necessary.

• We would advise that you allow us to choose the expert lawyer to represent your interests through the claims process. We have confidence in our panel of handpicked lawyers to help you through a successful meditation process and arrive at a positive outcome.
• The objective is to help clients and their respective customers move on with their lives without having to go through any more pain than necessary to achieve effective dispute resolution, Professional mediation is the best course of action and we fully support this effort.
• However, if mediation is unsuccessful, our panel of expert lawyers will be able to move the case into litigation confidently.

·         Timely claims reporting is a requirement of the insurer. In a bid to reduce any time lapse between claims notification and lawyer engagement, we have created an online link for you to submit the details so that the insurers and the lawyers get real-time updates.

·         Once the online form is submitted, our team will be notified and we will immediately activate one of our trusted lawyers to contact you and provide you with the appropriate advice on the next course of action.

·         As we have access to a wide range of medico-legal expert lawyers across the country on our panel, our preference is to activate the one nearest to you. However, if you have a preferred lawyer, we can arrange for quick approval with the insurer if he/she is not already on our panel.

We insure chiropractors for their medical malpractice. If the product is under clinical trial or research, then it is covered under the insurance policy of the product manufacturer who would have insured separately under clinical trial insurance.

When the claim limit is exhausted, the policy terminates. However, you have the option to reinstate the limit of liability with an additional premium of 10%.

As an insured professional, you must notify the insurance provider immediately under any of these situations:

• Claim made against you e.g., served with a writ/summons/third party notice, etc.
• Any circumstances that may lead to a possible claim being made against you, e.g., a letter of demand, a notice of intended claim, email, or any intimation or threat of a claim.
• Any medical incidents that could potentially lead to a claim
• Any inquiries that imply a claim is being considered against you

Yes, we cover (and strongly encourage) out-of-court settlement, arbitration, mediation, litigation, and regulators’ inquiries.