Professional and personal liability insurance for medical students or prospective doctors in their practical year

The protection exists for both parties involved in the claim. On the one hand, you are protected against economic damage from legitimate claims by third parties or from the costs of defence vis-à-vis unjustified claims. On the other hand, the injured person is also protected, and should also be given a reasonable sum in the case of justified claims. Both are assumed by the insurer in accordance with the conditions, if professional liability insurance for medical students has been concluded.

As a rule, unmarried students without their own children are covered by their parents' personal liability insurance until they have completed their first degree. However, this depends on the tariff and the terms and conditions and does not apply, for example, to "single tariffs".

Educational organisations (e.g., universities) also generally provide insurance cover for the training activities of students. But it is difficult to say in advance whether this covers everything in the event of a claim, whether there are deductibles, to what extent recourse is possible in the event of gross negligence and whether the sums insured are sufficiently high. The same applies to parental personal liability insurance. Here, too, it would be necessary to check whether the contract contains all the important points. 

Although you should, therefore, have basic protection in place with few exceptions, we recommend that you take matters into your own hands. We offer insurance cover for students from an annual premium of €9.52. For minimal costs, Funk EXPERTS offers a high level of professional protection with comprehensive support in the event of damage.

According to Section 823 of the German Civil Code (BGB), everyone is liable without limitation with their entire assets if damage is caused to a third person. This can happen both in the private environment and when working with patients. Combined professional and personal liability insurance covers justified claims for damages and fends off unfounded claims. The sum insured should be high and continuously adapted to the level of case law.

Funk EXPERTS offers a flat-rate coverage of €10 million for personal injury, property damage and co-insured financial losses. It is maximised three times. We are happy to support you with our expertise and recommend that you deal with the topic of professional liability insurance for medical students in good time.

No, unfortunately this is not possible for legal reasons.