About
PharmaFensor

Pharmacists Professional Indemnity insurance coverage:

  • The first of its kind medical malpractice insurance for pharmacists in Malaysia.
  • Fast approval upon your submission.
  • Convenient premium payment methods.
  • Easy signing up, servicing, claims handling and efficient renewal process.

How can
we help you?

Why Choose pharmaFensor

Convenient

No paperwork or documents required

Customizable

To your unique needs and practice

Competitive

Premiums with flexible pricing options

Benefits and Coverages
of PharmaFensor

01

Professional Negligence

  • You will be covered for claims made against you for the errors resulting from your professional duties.
02

Legal Representation at Inquiry

  • This policy will pay for any legal representation incurred directly during an inquiry provided that such Inquiry is first commenced against you during the period of insurance.
03

Public Relation Cost

  • You will be covered for the cost of hiring a Public Relation’s Consultant to restore your professional reputation after winning a legal suit. You are covered up to 25% of the policy limit.
04

Defamation

  • You will be covered when you unintentionally injure a third party’s reputation either through libel (written statement) or slander (spoken statement).
05

Intellectual property Infringement

  • You will be covered when you unintentionally violated or breached the protected intellectual property rights of others.
06

Loss of Document

  • You can claim the cost of replacing or reinstating documents of your customers or other third parties that were lost or destroyed while in your care, custody and control.
07

Emergency Defence Cost

  • In time of constraint to defend a lawsuit, you can appoint a lawyer first as long as you inform your insurer within a given time frame and permission is given prior.
08

Advancement of Defence Cost

  • Due to the uncertain length of the legal proceedings, you can claim reimbursement progressively, hence more flexibility in your legal budget.
09

Unlimited Retroactive Date

  • You are covered from the time you started your practice for all the errors or mistakes committed except for prior acts or known claims already made against you. Therefore, this extension provides you a much broader coverage.
10

Unlimited Run-off

  • Early retirement is common nowadays, therefore we have designed this extension to cover all claims made against you after retirement as long as you are alive. You only contribute a reasonable premium, or if you have been maintaining Pharmafensor for five years or more, you are covered automatically and no premium is charged.
11

Nil Excess

  • All claims will be settled without any deductions.
12

Good Samaritan Act

  • As a pharmacist you may be involved in a situation where emergency first aid is required for someone and he eventually dies. You may be sued by the next of kin for this good deed. Pharmafensor will cover you for any loss resulting from this claim.

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Frequently Asked Questions

Contact Us

If you have questions about pharmaFensor (Pharmacists Professional Indemnity insurance coverage) or would like to get in touch with us, feel free to drop us a message.