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Anyone who causes damage to a third party is liable without limitation and with their entire assets, according to § 823 BGB. Since this can not only happen in the private environment but also when working with patients, professional liability insurance is important when studying medicine. This then takes care of any justified claims for damages on the part of the injured third person and even fends off unjustified claims (so-called "passive relief"). The coverage amount should be high and continuously adapted to the level outlined in the case law.

We therefore offer a lump-sum coverage amount of EUR 10 million for personal injury, property damage and co-insured financial losses. This is available triple maximised (i.e., three times a year). This is far more than the legislature requires for practices or medical care centres. We recommend engaging with the topic of professional liability insurance during medical studies at an early stage, and we will be happy to support you with our expertise.

There is protection for both parties involved in the claim. On the one hand, you are protected from economic damage as a result of justified claims of third parties or due to the costs of defending against unjustified claims. On the other hand, the injured person is also protected, and, in the case of justified claims, is also to be considered with an appropriate sum. The insurer will take care of both, subject to the relevant conditions, if professional liability insurance for medical students has been taken out.