Eight written modules, plus a bonus module on your clinic, staff and data · ten quizzes · about two and a half hours · Rs. 3,999
Your Indemnity Cover: Read It, Keep It, Use It
What the law in India, as we read it, says about the indemnity cover a doctor already holds: what you signed and who it covers, when it answers and how much, the proposal form, changing cover without a gap, retiring or practising from abroad, and what to do when a claim arrives or is refused.
In short
Who it is for. Registered medical practitioners who hold, buy or renew professional indemnity cover, in their own clinic, in a hospital, on video or as employees.
What you learn. The law in India, as we read it, in the order your cover meets it: what you signed, when it answers and how much, whose policy, the proposal form, changing cover, retiring or moving abroad, a claim arriving and a claim refused. It does not review your policy or tell you which one to choose.
What you get. Eight written modules, each with a quiz, four one-page sheets and exercises with answers, a bonus module on your clinic, staff and data with fifteen practice questions, a final quiz and a certificate of completion. One payment of Rs. 3,999, paid once, with twelve months of access from the day you enrol.
Module one and its quiz open without payment and without a card. The course is general education about the law, not advice on your own cover.
For registered medical practitioners who hold, or are about to buy or renew, professional indemnity cover: in their own clinic, as visiting consultants, on video, or employed by a hospital. It is easy to renew every year without reading the wording. The course takes the law in the order your cover meets it: what you signed and who it covers; when it answers, how much, and what you must do; whose policy, and how much; the proposal form, and comparing wordings; changing insurer without a gap; retiring, pausing or practising from abroad; when a claim arrives; and when a claim is refused. Every module says where the law we read is not settled, and lists the law read for it. The law is stated as we read it in November 2026; it changes. The course does not review your own policy, does not tell you which policy, insurer or limit to choose, and does not sell or arrange cover. It is general education, not advice on your own cover or your own case. The examples are built around real-life situations; names are illustrative. The sheets are demonstration templates for learning.
Prepared and taught by Dr. Rupal V. Rana, MBBS, DCH, LLB, LLM, Medicolegal Consultant and Founder, DoctorLawyer™, in consultation with a High Court advocate.
8written modules
10scored quizzes
45applied questions
5demonstration templates
2.6hours in total
12months of access
Module one freePrintable handout with every moduleCertificate of completion, see a sample
Rs. 3,999
One payment, no subscription and no renewal. Twelve months of access to all eight modules, every quiz, the final quiz and the certificate. A change of price never applies to a course you have already paid for.
Read module one first, freeNo card, nothing charged
Read module one before you buy
Not ready to decide? Module one and its quiz open without payment, so you can see the writing, the depth and the way the questions work first. No card, nothing charged, and nothing charged later unless you choose to buy.
What you will be able to do when you have finished
Not what you will have heard about. What you will be able to do, on a Tuesday, with the thing in your hand.
Find the parts of your own policy that bear on a claim: who and what work is covered, when it answers, how much, and what you must do.
Say what claims-made and a retroactive date mean, and why you must find them in your own wording.
Tell apart cover in your own name, your clinic's and your employer's, and list the questions that bear on a limit.
Answer a proposal form fully and accurately, and compare wordings, not brochures.
See how a gap in cover can arise when you change insurer, retire, pause or move abroad, and what to ask in writing before you do.
Act on the day a claim arrives: notice, late intimation and the records your insurer asks for.
Know the routes that may be open after a refused claim (the insurer, the Ombudsman, a consumer commission), what each requires first, and what is not settled.
How much of your time this takes
About two and a half hours in total, and none of it has to be done in one sitting. The course remembers where you are, on whichever device you open it on, one device at a time.
Eight modules, 8,267 words
about 46 minutes
The one-page sheets, filled in from your own papers, 443 words
about 2 minutes
Ten quizzes, 45 questions, with the reason explained on every answer
about 75 minutes
The exercises, the questions to think through and the law read for each module
about 12 minutes
The bonus module: your clinic, your staff and your patients' data, and fifteen practice questions on one case
about 20 minutes
Everything, 16,911 words
about 2 hours 35 minutes
The law taught is the law in India, as we read it. Every module says where the law is not settled. It does not review your own policy and does not tell you which policy or insurer to choose.
How the course runsStart to certificate
1
Eight written modules. About eleven minutes each, read in any order, at your own pace, on a phone or a laptop. Every legal proposition carries the case, section or regulation it rests on, so you can check it. Each module also leaves you a document you can use: Module 2: My Cover at a Glance. Module 4: Who Covers Me? Module 6: Before My Cover Changes. Module 8: the Claim Log. Modules 2, 4, 6 and 8 also carry a short exercise with answers (Policy Detective, Proposal Form Detective, Gap Finder and Route Planner). The bonus module adds the Clinic Cover Map.
2
A scored quiz at the end of each module. Five applied questions, not definitions: a situation, and what you would do. Four out of five to pass. Retake it as often as you like, and the authority is explained on every answer, right and wrong. Your best score is the one kept.
3
A final quiz across all eight modules. It opens once you have passed all eight module quizzes. Sixteen questions, two drawn from each module, twelve out of sixteen to pass. Your sixteen are not the same as anybody else’s. Retake it as often as you need.
4
A certificate of completion, issued once the eight module quizzes and the final quiz are all passed. It is signed by Dr. Rupal V. Rana, MBBS, DCH, LLB, LLM, and carries a number anyone you show it to can check on this site. It is a certificate of completion: not a diploma, not a certification, not recognised by any Medical Council, the National Medical Commission, any university or any Bar body, and it carries no continuing medical education credit.
The modules
01What you signed, and who it coversAcross this module and the next, you will be able to find the parts of your policy that bear on a claim: who and what work is covered, when it answers, how much, and what you must do; say what "claims-made" and a "retroactive date" mean, and why you must find them in your own wording rather than assume them; explain what the Supreme Court said about a hospital and its doctors' own policies, and why "the hospital is insured" does not answer your question (our reading); read your proposal and renewal forms closely, and tell your insurer in writing when your practice changes; put your questions to your insurer in writing, and keep the answers.Open first
02When it answers, how much, and what you must doAcross this module and the next, you will be able to find the parts of your policy that bear on a claim: who and what work is covered, when it answers, how much, and what you must do; say what "claims-made" and a "retroactive date" mean, and why you must find them in your own wording rather than assume them; explain what the Supreme Court said about a hospital and its doctors' own policies, and why "the hospital is insured" does not answer your question (our reading); read your proposal and renewal forms closely, and tell your insurer in writing when your practice changes; put your questions to your insurer in writing, and keep the answers.11 min
03Whose policy, and how muchAcross this module and the next, you will be able to tell apart cover in your own name, cover in your clinic's or hospital's name, and cover your employer holds, and ask who each one names; list the questions that bear on a limit, without anyone telling you a figure; answer a proposal form fully and accurately, applying the Supreme Court's rules on proposal forms, which we read across to indemnity cover; compare policy wordings, not brochures.11 min
04The proposal form, and comparing wordingsAcross this module and the next, you will be able to tell apart cover in your own name, cover in your clinic's or hospital's name, and cover your employer holds, and ask who each one names; list the questions that bear on a limit, without anyone telling you a figure; answer a proposal form fully and accurately, applying the Supreme Court's rules on proposal forms, which we read across to indemnity cover; compare policy wordings, not brochures.11 min
05Changing insurer without a gapAcross this module and the next, you will be able to explain how changing insurer can leave earlier work uncovered, and what to ask so that it does not; explain what the law says about telling a new insurer of anything that might lead to a claim; explain why a claim can still arrive after you stop practising, and what the consumer law says about time; list the questions to ask before you retire, take a break, or move abroad.11 min
06Retiring, pausing or practising from abroadAcross this module and the next, you will be able to explain how changing insurer can leave earlier work uncovered, and what to ask so that it does not; explain what the law says about telling a new insurer of anything that might lead to a claim; explain why a claim can still arrive after you stop practising, and what the consumer law says about time; list the questions to ask before you retire, take a break, or move abroad.11 min
07When a claim arrives: notice, late intimation and recordsAcross this module and the next, you will be able to act on the day a notice or complaint arrives, without damaging your cover; say what the insurance regulator's directions say about delayed intimation and missing documents in retail general insurance, and how far that may help you; handle an insurer's request for your patient's records with the confidentiality rule in mind; know the routes if a claim is refused: a written complaint to the insurer, the Insurance Ombudsman (which needs that complaint first), or a consumer commission.11 min
08When a claim is refused: the insurer, the Ombudsman or a commissionAcross this module and the next, you will be able to act on the day a notice or complaint arrives, without damaging your cover; say what the insurance regulator's directions say about delayed intimation and missing documents in retail general insurance, and how far that may help you; handle an insurer's request for your patient's records with the confidentiality rule in mind; know the routes if a claim is refused: a written complaint to the insurer, the Insurance Ombudsman (which needs that complaint first), or a consumer commission.11 min
BYour clinic, your staff and your patients' data: what your own policy may not reach Bonus, freeYou will be able to see why the question of answering for clinic staff arises, and what to ask your insurer about it; say what the data protection law will require of a clinic about security and breaches, and from when; list the questions to ask about cover for staff, data, premises and equipment.Free bonus · 20 min
About the bonus module
The bonus module is included in the price and costs nothing extra. It covers what your own policy may not reach: your clinic's staff and visiting professionals, your patients' data, your premises and equipment, and what to send when a hospital asks you to prove cover. It closes with fifteen practice questions on one linked case, drawing on every module, with the answer and the reason under each. It sits outside the eight and has its own optional quiz: it is not in the final quiz and it is not needed for the certificate.
The small printEducation, not advice on your matter. Not clinical teaching. No outcome promised.
This is education, not advice on your matter. Nothing in the primer is advice about any particular patient, complaint, notice or case, and reading it does not create a relationship of adviser and client.
It is not clinical teaching. No module tells you how to treat anybody.
Nothing is promised as an outcome. No course prevents a complaint, and none of this guarantees how any forum will decide anything.
Where a matter needs a lawyer, we say so. Representation before any forum, and any formal legal opinion, is arranged separately with a High Court advocate and is charged separately.
The material is licensed to you alone. It may not be recorded, copied, shared, resold or circulated. Pages carry the name and email of the person they were issued to.
