Dentists Professional Liability Insurance in Iran
For general dentists, prosthodontists, implantologists and orthodontists licensed by the Iranian Medical Council.
Persian twin page (authoritative): /liability/professional/dentists
Short answer
Dentists professional liability insurance in Iran compensates bodily injury and financial loss a patient suffers from professional error in implantology, prosthodontics, endodontics and anesthesia complications, up to the policy limit, and funds the dentist's legal defense before Iranian courts and the Medical Council forensic commissions where the specialty is declared in the policy.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- General dentists holding an active Medical Council practice license
- Specialists in prosthodontics, implantology and maxillofacial procedures
- Orthodontists and specialists of oral and dental diseases
- Dentists practicing in private offices, dental clinics and treatment centers
- Dental assistants acting under supervision, within the scope declared in the policy
What is covered?
| Coverage | Description |
|---|---|
| Diyeh and patient bodily injury | Compensation for death or disability caused by professional error in the office or clinic, calculated on the official diyeh schedule issued by the judiciary for the year of the incident. |
| Implant and prosthesis complications | Reimbursement of repeat treatment and reconstruction after implant or prosthesis failure, conditional on proof of professional fault and scheduling of the specialty in the policy. |
| Anesthesia and drug reactions | Cover for injury caused by anesthetic injection errors, drug sensitivity and anaphylactic shock, within the general conditions of the policy. |
| Patient financial loss | Reimbursement of corrective treatment, dental rework and additional services the patient is forced to bear because of an attributable professional error. |
| Legal defense costs | Attorney fees and court costs in criminal, civil and Medical Council commission proceedings arising from the insured event, including claims ending in dismissal. |
| Liability for auxiliary staff | The dentist's vicarious liability for acts of assistants and dependent personnel, within the scope recorded in the policy schedule. |
What is not covered? (Exclusions)
- Claims arising from procedures outside the specialty recorded on the dentist's Medical Council license
- Purely cosmetic services with no therapeutic indication, unless expressly scheduled in the policy
- Incidents occurring outside the policy period; the trigger is the incident date
- Intentional errors and knowing breach of Medical Council regulations
- Damage aggravated by worn or non-standard equipment operated without the required protocols
- Diyeh amounts that are the subject of qisas (retribution) or corporal punishment
Issuance conditions
- A valid Medical Council practice license on the date of the incident
- Accurate declaration of the offered services — implantology, orthodontics and similar — at issuance
- No undisclosed claims from previous policy periods
- Compliance with hygiene protocols and instrument sterilization standards
Required documents
- Permanent or temporary Medical Council practice license
- National ID and identity documents of the dentist
- Previous liability policy, for claims history and no-claims discount
- Office permit or cooperation contract with the dental clinic
- List of offered services, including implants and prostheses
How to buy — step by step
Quotation and limit selection
Submit the quote request; the advisor proposes a limit of liability and coverages matched to the services you declare.
Documents and official proforma
After identity and professional documents are received, an official proforma invoice is issued on the approved Bimeh Iran tariffs.
Premium payment
Pay through the banking gateway or a bank receipt; cover starts the moment issuance is confirmed.
Policy delivery
The printed and electronic policy with its general conditions is delivered within one working day.
How to claim — step by step
Immediate notification
Report the incident to the agency as soon as you become aware of it; the policy sets a maximum notification period of five working days.
Claim form
Complete and sign the claim form describing the events, the incident date and any related history.
Case documents
Submit the professional file, the patient's dental records and the identity documents of the parties to the claims adjuster.
Expert review and medical commission
The Medical Council forensic commission or the Forensic Medicine Organization establishes fault and the degree of responsibility.
Agreement or judgment
Once responsibility is established, the compensation is calculated by agreement of the parties or by court judgment.
Payment with deductible
The recoverable loss is paid to the beneficiary after deduction of the policy deductible.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Dentists Professional Liability Insurance
Legal sources
Civil Liability Act of Iran (1960) — Articles 1 to 11 — fault-based civil liability
Islamic Penal Code — Diyat chapter — Book Five, Articles 449 to 503
General Conditions of Professional Liability Insurance (Bimeh Iran) — Central Insurance Regulation No. 57
Medical Council Disciplinary Regulations of Iran — Disciplinary boards and forensic commissions of the Iranian Medical Council
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Dentists Professional Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.