Professional liability insurance in Dentistry: policy simulation considering the average profile of the Brazilian dentist

Abstract

Introduction: in Dentistry, civil liability insurance has the purpose to ensure financial support in case of judicial conviction in indemnity processes for patients. This mechanism allows the professionals to develop their activity with more confidence. Objective: This paper aims to report a simulated case where three different types of liability insurance for dentists available in the Brazilian market were comparatively analyzed. Case study: through a literature review, we sought to draw a profile of an average Brazilian dental surgeon: female, with an orthodontics specialty, maximum indemnity limit of R$ 200,000.00, who provides services in the daily dental clinic including implants and facial fillers, excluding specific oral and maxillofacial surgery procedures, and with an average income of up to four minimum wages a month. After the budget, three quotations with different characteristics were concluded, some common and others divergent, which were analyzed. Conclusion: This study showed the importance of dentistry professionals knowing well each clause of the product or insurance that is being offered and how they can impact in the clinical activity being able to make full use of the liability insurance.