In relation to the answer for “Why do I need MEDEFEND?”, MEDEFEND is compulsory for you if you are a:
Government doctor doing locum at a private hospital/ clinic.
You must have MEDEFEND cover as it is compulsory under the Medical Act as you do locum work.
Lecturer in a public university with a practice in the private wing.
It is compulsory for you to obtain a medical indemnity coverage as per the Medical Act.
Lecturer in a private medical university with a practice in university’s medical centre.
You will need to apply for MEDEFEND coverage to fulfil the compulsory requirement for your APC application.
It is advisable to apply for MEDEFEND if you are a:
Lecturer in a public university.
Please check with your University and/or MMC if you are indemnified by the Government. This also relates to the compulsory requirement for the APC application.
Lecturer in a private medical university.
If your work is purely as an academician, you may wish to apply for MEDEFEND under the ‘Non-Clinical Doctor’ category. This is to fulfil the compulsory requirement for your APC application. It is advisable for you to check with your university if they have a separate Educators Liability cover.
Practicing doctor under MOH Hospital/Clinic.
You are strongly advised to have MEDEFEND. It provides you with a legal representation/lawyer, and the costs will be paid by the Insurer/Takaful Operator in the event of any regulatory investigation claims and/or MMC Inquiry. MOH will not provide you with any lawyer should there be any regulatory investigation hearings and/or MMC Inquiry filed against you.
If, besides your service at MOH, you are actively involved in voluntary medical service outside your regular work, you are advised to apply MEDEFEND to protect your voluntary work.
Retiree from medical practice who wishes to retain your APC.
You can apply MEDEFEND under the ‘Non-Clinical Doctor’ category (RM380 annually) for you to satisfy the compulsory requirement for APC application. Please be mindful that under this category, there is no coverage for claims arising from your past medical practice.