Medical Environment – Shariah – Medical Practitioners

Bespoke Professional Indemnity and Fidelity Guarantee Policy for Shariah – Medical Practitioners


“The Takaful Way”

Takaful derived from the Arabic word “Kafala”, meaning mutual guarantee, is a principle based on mutual co-operation, responsibility, assurance, protection and assistance between groups of participants.

Genoa Underwriting Managers is now offering a modern day and exciting tailor-made claims made Shariah compliant Medical Malpractice Insurance product through Safire Insurance Company Limited (“the Takaful Provider”) for our Muslim clients.

Medical Malpractice Insurance, also known as Med-mal Insurance, is designed to cover a medical professional against claims of medical negligence. This is an act, error or omission by a medical professional that deviates from the accepted medical standard of care and which then results in damages.


As Genoa's footprint in the liability space continues to grow from strength to strength, we thought we would share with you why more and more brokers are choosing to work with us as their partner of choice:

Our Underwriters are committed to providing our clients with superior turnaround times when issuing quotations and schedules of cover

Our underwriters are experts in their respective fields and are able to offer our clients technical advice which helps empower them to secure an account

We have strong working relationships with the top re-insurers in the country including Munich Re and Swiss Re who support all of our Professional Indemnity products

Through strategic reinsurance partnerships we are able to offer competitive market premiums

Our policies include a number of meaningful extensions that offer true value to our thousands of Insured clients

Our Insured Practitioners are represented by the top law firms in the country, including firms like Clyde & Co, Garlicke & Bousfield, Mac Robert Attorneys, Norton Rose Fulbright and Webber Wentzel

What do we offer?

World leading re-insurance

We are very pleased to have received the support of the world’s largest 2 reinsurers, Munich Re and Swiss Re in respect of this innovative claims made product.

Cover for all practitioners (allied and specialists)

Any practitioner registered with the AHPCSA, HPCSA or SANC will be able to apply for cover.

Competitive premiums and individual risk rating

We offer individually risk-rated premiums according to the practitioner’s clinical risk profile.


We offer the choice of different limits of indemnity. The minimum limit available is R1,000,000 and the maximum limit is R50,000,000. For practitioners who require higher aggregate cover we can offer them the option of a re-instatement.

Excess Options

We provide our practitioners with 3 excess options with premium savings for higher excesses. The option of a nil excess is also available.

Retroactive cover

As we are offering a Claims Made insurance policy, subject to the underwriter’s approval, retroactive cover can be offered at the inception of the policy thus ensuring a seamless transition between claims made Insurers. Retroactive cover is not needed for those practitioners moving from an occurrence basis to a claims made basis.

Extended Reporting Period (ERP)

Practitioners will receive a staggered ERP dependent on the length of time that they hold uninterrupted cover with us. For practitioners that have been insured through us for a period of 36 consecutive months or more, a 60 month ERP will apply.

Additional Extended Reporting Period (AERP)

Practitioners who feel that the automatic 60-month ERP is not sufficient may, at Underwriters discretion, purchase an Additional Extended Reporting Period (AERP) once the automatic ERP term has ended. The AERP is an extension to the policy and practitioners may contribute towards this extension over the policy term.


  • Access to Genoa’s minimum health record keeping
  • Access to Genoa’s informed consent form template
  • Access to a CPD portal which includes both ethics and clinical CPD
  • An easy online claims notification and tracking portal
  • Access to psychologists to assist with the trauma associated with a claim
  • Access to the country’s top Med-Mal legal practitioners

    Need this cover?

    Our team of Broker Consultants are ready to answer any questions you may have