Do Emergency Room Nurses have a special health insurance?

All nurses have important jobs, but a nurse assigned in the emergency room apparently faces higher risks than others. All patients coming to the emergency room suffer life-threatening injuries and illnesses. This is the reason emergency room nurses should be able to act quickly and responsibly. If not, most people blame them for a death of someone or worsening of a patient’s illness.

This time, many would ask, is there a special kind of nurse insurance for emergency nurses? Certainly, there is. Working in a high stress environment, and working with patients are certainly risky. Also, using medical equipment may cause injury.  Emergency room nurses will most likely be in riskier cases like dealing with mental health issues with patients and their families, being exposed to bodily fluids which transmit diseases, harming themselves with needle and sharp objects while acting quickly, developing respiratory diseases due to exposure to chemicals and cleaning solutions, and back injuries and strains caused by long night shifts and lifting heavy patients.

With all these, emergency room nurses deserve benefit packages which will accommodate their needs. Most of these ER nurses are offered with competitive and reliable health packages. But hospitals vary from their health insurance plans. Some offer free health insurance for their ER nurses and other hospital staff while others provide it at an affordable rate.

So if you’re looking into the possibility of becoming an emergency room nurse, be sure to ask about the health insurance plans and other benefits provided by the hospital. The human resources department should be able to give you the details and information regarding your queries.

Getting ready for the future: Be Insured

Nurses are the ones who save millions of people every day. Yet, they are the not the mythical superheroes who are exempted from any harm or sickness. Like any other people, they are also vulnerable to unfavorable events. Isn’t it ironic when nurses who take care of people are the ones that are uninsured? Thus, it is significant to acquire nursing insurance.

The most deadly sin for medical practitioners is malpractice. Nursing Service Organization is offering Malpractice Insurance for nurses because doctors are not the only practitioners who get sued for this sin. It is part of NSO’s Professional Liability Insurance.

Although, one is already covered by the employer with this kind of insurance NSO says that it has limitations. The nurse and the employer might have conflicts of interest, too.

In addition, NSO is also offering personal nursing insurance which has the range of coverage from $25,000 up to $100,000 with quarterly rate of $30 to $282.50. Beneficiaries who that are still living is also included with 50 percent coverage plus no increase on individual rate.

Meanwhile, NurseGuard is also offering nursing insurance for malpractice liability wherein the applicant can choose three liabilities to be covered such as: Administrative Hearing, Conformance To Statu, Deposition Fees/Expense, Medical Payments, Good Samaritan Coverage, First Aid Expense and Assault Coverage.

Remember that you hard work for yourself and your family. It is rewarding that by the time you decided to stop rendering your service you will not be worrying about your future finance. You are rest assured that you will be leaving your family a helpful amount of insurance.

Wants to work in UK? Get Insured!

Some nurses desire to work in UK.  With the wide variety of jobs available such as specialist nurses, school nurses, paediatric nurses, and midwives, other nurses have thought of travelling to UK to earn money. But doing so needs a lot of requirements. Some of which are professional registration with a regulatory body, passing the IELTS (for non-EU nurses), having work permits, and some institutions may require you an insurance.

Although a professional indemnity insurance is not compulsory for all nurses. It is, of course, highly recommended. This kind of insurance generally protects you from civil liability claims usually made against you due to professional services. Some civil liability claims include but are not limited to: an adverse outcome for a patient, an error seen in your part while doing your service, and breach of patient’s confidentiality. Other unintentional practices are also part of these claims which will be covered in your insurance once you have one.

Professional indemnity insurance will also cover you if you are injured while at work. If you are also registered with the Nursing and Midwifery Council, the organization will help you and advise you regarding insurance options.

If you are covered by an insurance company, it wouldn’t be hard for you and your future employer if something happens along the way. In fact, it is now part of the national registration which states:

“Nurses and midwives must not practise their professions unless they are covered in the conduct of their practice by appropriate professional indemnity insurance (PII) arrangements.”

A copy of the entire registration standard can be downloaded from http://www.apna.asn.au/lib/pdf/Careers/insurance/Professional%20indemnity%20insurance%20GUIDELINE.pdf. 

Do you have your own nurse insurance?

Many nurses have certainly asked themselves “Should I have a malpractice insurance?” Although a number of nurses are already covered under their individual liability insurance, many more are still not.

Nurses who practice risky medical operations most often face the fear of being sued at any time and for any reason. At times, these unfounded allegations can bring lawsuits which will make your stressful life even more stressful. Apart from the hassle and cost it will give you, it will surely damage your reputation.

Most employers provide insurance to its employees but only to a certain point. Because admit it or not, even though your employers care for you and its policy covers you, the policy is created to fit the company’s needs and protect them FIRST.

But once you carry your own policy and you are protected by your insurance, you will be ensured that you are well represented and your interests are best protected. So, if you’re starting to think of an insurance company which will suit your needs, here are some:

• www.hpso.com
• www.cnahealthpro.com
• www.cmfgroup.com
• www.nursingworld.org

These insurance companies offer a variety of insurance packages and will surely assure you of License Protection. They will save you from legal and other claim-related expenses. They will provide you with a legal defense team to protect you from assault, abuse, and sexual misconduct. They also offer legal defense against discrimination allegations.

Like any other professionals, nurses face daily risks too. It is important you find an insurance company which will give the best coverage package you need. You can still look for many others in the internet.