Physicians Professional Liability Insurance in Iran
For general practitioners, specialists, subspecialists and surgeons licensed by the Iranian Medical Council.
Persian twin page (authoritative): /liability/professional/medical-doctors
Short answer
Physicians professional liability insurance in Iran compensates bodily injury and financial loss that a patient suffers because of a physician's professional error — diagnostic, therapeutic or surgical — up to the policy limit, and funds the physician's legal defense before Iranian courts, the Forensic Medicine Organization and Medical Council commissions.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- General practitioners holding an active Medical Council practice license
- Clinical specialists and subspecialists in all recognized fields
- Surgeons and surgical team members, provided the specialty is named in the policy schedule
- Physicians working in private offices, hospitals, clinics and limited surgical centers
- Residents and medical assistants acting under supervision, within the scope stated in the schedule
What is covered?
| Coverage | Description |
|---|---|
| Diyeh (blood money) and bodily injury | Compensation for death or permanent and partial disability of a patient caused by professional error, calculated on the official diyeh schedule issued by the judiciary for the year of the incident. |
| Patient financial loss | Reimbursement of repeat treatment, medication and related services the patient is forced to bear because of a diagnostic or therapeutic error. |
| Legal defense costs | Attorney fees and court costs in criminal and civil proceedings and before the Medical Council forensic commissions, including claims that are later dismissed. |
| Vicarious liability for auxiliary staff | Liability of the physician for acts of dependent personnel such as nurses and assistants, within the scope declared in the policy. |
| Medically indicated cosmetic procedures | Where the cosmetic specialty is expressly scheduled, procedures with a therapeutic or reconstructive nature can be covered. |
| Rehabilitation of professional reputation (optional) | Under agreed endorsements, defense costs against media allegations arising from the same insured event may be added to the policy. |
What is not covered? (Exclusions)
- Claims arising from practice outside the specialty recorded on the physician's Medical Council license
- Purely aesthetic surgery with no therapeutic indication, unless expressly scheduled in the policy
- Claims presented after policy expiry or cancellation where the incident date itself is not covered
- Intentional criminal acts, patient enticement or deliberate breach of licensing regulations
- Diyeh amounts that are the subject of qisas (retribution) or corporal punishment
- Losses aggravated by the insured physician's use of alcohol or narcotics
Issuance conditions
- A valid Medical Council practice license on the date of the incident
- Accurate declaration of specialty and sub-specialty at issuance
- No undisclosed claims history from previous policy periods
Required documents
- Permanent or temporary Medical Council practice license
- National ID and identity documents of the physician
- Previous liability policy, for claims history and no-claims discount
- Employment certificate for hospital-based physicians
- List of hospitals, clinics and centers where the physician practices
How to buy — step by step
Quotation and consultation
Submit the quote request; an advisor proposes an adequate limit of liability for your specialty and risk profile.
Documents and official proforma
After the 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, dates and any comparable previous incidents.
Case documents
Submit the patient's medical file, operative report, prescriptions and identity documents of the parties to the claims adjuster.
Expert review and medical commission
In bodily-injury files, the Medical Council forensic commissions or the Forensic Medicine Organization determine fault.
Agreement and payment
Once liability and the diyeh amount are established, compensation is paid subject to 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 — Physicians 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 Physicians Professional Liability Insurance (Bimeh Iran) — Central Insurance Regulation No. 57
Independence of the Medical Profession Act — Adopted 1954, as amended
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 Physicians 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.