Month: October 2018

Medical Negligence

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All of us like to trust our doctors and other medical professionals we see such as our dentists. And, happily, that trust is seldom misplaced. Unfortunately, however, there are times when even doctors can make a mistake in treating a patient or when first making their diagnosis. When this happens, and the patient suffers distress or, worse, an injury, than the doctor or medical professional may be guilty of medical negligence. The patient would then be entitled to make a claim for medical negligence compensation.

As may be expected making a claim for compensation against a medical professional can be a long, drawn out and very involved process. Because of the complexities involved in making such a claim the claimant will need to employ a specialist solicitor to help them take the claim forward.

But, care and time must be taken to ensure that the right solicitor is found. One that can be relied upon to obtain the best settlement possible. If possible it is always best to approach a solicitor that has been recommended to the claimant by an independent friend or colleague. Word of mouth recommendations are usually the most reliable method of finding a good lawyer or compensation solicitor.

In the UK most compensation solicitors will offer to take cases on a ‘no win no fee’ basis. Also known as a ‘conditional fee arrangement’ this means that all the solicitors fees will be waivered in the event of losing the case. However, because of this layers will not take on any case that they think they may lose; this can make finding a solicitor who will take on the case a frustrating and time consuming process.

Once a suitable lawyer has been hired the lengthy claims process begins with the lawyer firstly gathering all the available evidence. The most important evidence of course will be the medical records of the claimant and details of the treatment given or diagnosis received. These records will be the foundation on which the case is built and will enable the solicitor to prove that medical malpractice has taken place.

The lawyer or compensation solicitor will then hand all the facts of the claim over to their own medical experts for an opinion as to the extent of the malpractice. This expert will advise the solicitor if there was medical negligence on the part of the offending medical practitioner.

Once the medical experts have had their say the claimants solicitor will propose a settlement figure for each party to consider. If the medical professional disputes the claim or the amount of the settlement figure than the result of the claim will be decided by a court.

The legal process will be a long one and there are very rarely any shortcuts that can be taken. Even in cases were there is no real dispute about the facts the hammering out of the final settlement figure can take a very long, and frustrating, time to agree.

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Medical Insurance And Its Values

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Everyone needs to take extra safety and precaution while looking about his health as it has rightly been said that “health is wealth”. In today’s world of uncertainties no one can predict a sudden health ailment, accident, diseases etc. Therefore, it is very important to take necessary precaution and care when it comes to maintaining good health. Getting a good medical insurance plan can save you from all the health related worries. Sudden health issue or regular checkups, your medical insurance will pay full or partial expenses based on the type of medical insurance you have got for yourself. Your family will not have to bear any cost. This way, a person does not need to worry about paying off the hospital bills which usually amount to a huge sum. When one enrolls into a medical insurance plan the insurance company is liable to pay for the medical bills and treatment of that person. It is not an expensive affair to opt for a medical insurance plan with an insurance company of repute.

One can always choose a desirous plan on the basis of his needs and requirement. In order to continue with the medical health insurance plan, one needs to pay off the monthly installments. One can either opt for a full medical insurance plan or a partial medical insurance plan. Your monthly installments will depend on the amount you want to get yourself or your family members insured for. Depending on the plan you can spend the money on regular checkups or in case of emergency health needs. Medical health insurance has many benefits. Hence, enrolling oneself and the complete family to a medical health insurance plan is very crucial. One can always contact an insurance agent for this purpose.

Insuring all the family members to the medical insurance plan could be discussed with the insurance agent. Since the medical insurance plan provides support during various health ailments, sudden accidents and surgeries it is very vital and has become a crucial part of ones life. If you have a full medical health insurance then your company will pay for all the treatment cost and post treatment expenditures. Being medically insured will save you and your family from any sort of monetary problems and loss. If one takes into consideration the values and importance of the medical insurance plan, its not at all a big deal to pay for the monthly installments of the health insurance plan. Benefits of a medical health insurance are not realized at the instant you pay the monthly installments but only when you need it most. As it has rightly been said “precaution is better than cure” one should always enroll into a medical insurance plan as a precautionary measure for future.