Nurses and Allied Health Professionals Liability Insurance in Iran
For nurses, midwives, physiotherapists, paramedics and operating-room, laboratory and radiology technicians licensed to practice.
Persian twin page (authoritative): /liability/professional/nurses-paramedics
Short answer
Nurses and allied health professionals liability insurance in Iran compensates patients for bodily injury and financial loss caused by professional error of nurses, midwives, physiotherapists and operating-room or laboratory technicians, up to the policy limit, and funds the insured professional's legal defense before Iranian courts and Medical Council disciplinary commissions.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Registered general and specialist nurses working in treatment wards
- Midwives and community health workers active in delivery rooms and health centers
- Licensed physiotherapists and occupational therapists
- Operating-room and anesthesia technicians acting within their assigned duties
- Laboratory, radiology and radiotherapy technicians
- Allied health professionals based in private offices, hospitals and ambulances
What is covered?
| Coverage | Description |
|---|---|
| Diyeh and bodily injury | Compensation for death or disability caused by professional error during care, calculated on the official diyeh schedule issued by the judiciary for the year of the incident. |
| Injection, medication and infusion errors | Cover for wrong injections, incorrect dosage and complications of infusion therapy, subject to proof of fault and recording of the discipline in the policy. |
| Midwifery and maternal care | Compensation for damage arising from the midwife's acts during natural delivery and pre- and post-natal care, in line with the general conditions of the policy. |
| Patient financial loss | Reimbursement of follow-up treatment, re-hospitalization and related rehabilitation services the patient bears because of an attributable error. |
| Legal defense costs | Attorney fees and court costs in proceedings before Iranian courts and the commissions supervising allied-health conduct, including dismissed claims. |
| First aid during duty | Cover for first-aid actions performed during duty or on mission, within the permitted scope of each discipline declared in the policy. |
What is not covered? (Exclusions)
- Acts outside the permitted scope of the allied-health discipline or without the physician's order where required
- Services requiring a separate specialized license that are not recorded in the policy
- Damage caused by intentional error or knowing breach of treatment protocols
- Incidents occurring outside the policy period; the trigger is the incident date
- Damage from defective equipment whose condition was known and unreported
- Diyeh amounts that are the subject of qisas (retribution) or corporal punishment
Issuance conditions
- A valid practice license or work permit on the date of the incident
- Accurate declaration of the discipline and workplace at issuance
- No undisclosed claims from previous policy periods
- Performance of procedures under written physician's orders where required
Required documents
- Valid practice license or employment certificate
- National ID and identity documents
- Previous liability policy, for claims history and no-claims discount
- Employment or cooperation contract with the hospital, clinic or laboratory
- Description of night and emergency shifts where special cover is requested
How to buy — step by step
Quotation and limit selection
Submit the quote request; the advisor proposes a limit of liability matched to your discipline and workplace.
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 the care provided.
Case documents
Submit the patient record, shift logs, medical orders and 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 and payment
Once liability and the 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 — Nurses & Allied Health Professionals 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 Nurses & Allied Health Professionals 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.