Midwife, which insurance to choose?

Midwife, which insurance to choose?


We'll explain everything you need to know about insurance if you're a midwife. In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a midwife? What are the main risks in your business? When do you assume your responsibility as a midwife?

Summary

    Midwife, what are your compulsory insurance?
    What is the price of professional midwifery insurance?
    Midwife professional civil liability insurance
    What are the best midwifery insurance?

Midwife, what are your compulsory insurance?
Professional Liability
Status
Compulsory if you practice as a liberal and optional if you are an employee or a student on an internship
advice
Recommended for everyone to protect themselves in the event of misconduct or professional accidents (which may expose you to criminal charges)
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
advice
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional midwifery insurance?

Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our midwife insurance comparators
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MULTI-RISK INSURANCE
Midwife professional civil liability insurance

The midwife CPR protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace.

Although you do not have a legal obligation to take out professional liability insurance if you are an employee, this insurance is highly recommended. Indeed, a patient can call into question your personal responsibility when it has no link with the establishment in which you work, for example for an intervention outside the establishment such as a childbirth outside the establishment. hospital. The responsibility of the salaried midwife is then called into question for this case detachable from her function at the hospital.

This insurance is compulsory if you are a liberal midwife, under penalty of a fine of € 45,000 and being banned from practicing.
What are the guarantees of the RC Pro midwife insurance?
Public liability
Main risks
Fault or negligence in the performance of care, diagnostic error, damage to a third party property during a home intervention
Probability
Important
Comments
Too many cases can call into question your RCP, even as an employee, take the time to check your employer protection
Bodily accidents
Main risks
Fall in your doctor's office
Probability
Medium
Comments
Check the ceiling carefully