Traditional Chinese Medicine Insurance

Western medicine involves diagnosing illness and injury which often only address a patient’s symptoms. Traditional Chinese Medicine (TCM), focuses on balancing vital energy Qi, pronounced "chee.” The theory of TCM follows a process of maintaining harmony and balance to provide an overall sense of health and well-being. Disharmony will lead to disease, illness and a collapse of one’s self. While TCM treatments often involve what seem unorthodox methods to Western medicine, they are a time honoured tradition throughout Asia. Practitioners of TCM should ensure they have specific insurance coverage tailored to their practice that protects against malpractice suits as well as other possible legal liability claims.

Types of Traditional Chinese Medicine Treatments

Traditional Chinese Medicine includes the following popular treatments:

  • Acupuncture – stimulation of certain points of the body with a fine needle to treat conditions or alleviate pain. It is often recommended for the treatment of chronic pain and is often covered by most medical health plans.
  • Chinese Herbs – optimizing health by introducing herbal supplements into the diet to address the patient’s specific needs.
  • Dermal Friction – increases circulation by stimulation with a blunt metal object. Often used in TCM to combat fevers, early stages of cold and flu, muscle pain and headaches.
  • Cupping – cups made of bamboo, glass, or silicone are put on the skin and creates a suction. It helps with inflammation, muscle pain and helps to provide a sense of relaxation and well being. This treatment has recently become trendy among high-level competitive athletes.
  • Massage therapies

Up Close and Personal with Traditional Chinese Medicine Clients

Traditional Chinese Medicine practitioners get "up close and personal” with their clients and use a variety of apparatus’ to treat their ailments. Although practitioners are trained and designated provincial Colleges associations, clinic owners should protect themselves and their interests by requiring all employees are covered under specific Traditional Chinese Medicine insurance policies. There are many companies that provide general liability coverage, but these policies may not be tailored to your specific industry. The following are some stipulations for coverage you should consider:

  • Qualified policy holders must be accredited with a recognized training institution and operate under the auspices of a provincial College where applicable.
  • Individual practitioners who own their clinics may have to purchase additional coverage.

Traditional Chinese Medicine Risk Management Strategies

Traditional Chinese Medicine insurance claims can be kept to a minimum by keeping some risk management tips in mind.

  • Good housekeeping is essential to minimizing claims; keep your environment clean and ensure that all equipment is in good condition.
  • Any equipment should follow a maintenance schedule and repairs handled as soon as the need arises.
  • Communicating with your clients and patients effectively will give them all the information they need as they head into a treatment session.
  • Explain any side affects ahead of time so they will feel comfortable and understand the risks of the treatment.
  • Follow up with new clients to ensure they are satisfied with the treatments.
  • Get their feedback and address any concerns they have post-treatment.

These preemptive strategies, combined with a comprehensive Traditional Chinese Medicine insurance policy, will protect clinic owners and practitioners against detrimental legal claims that can affect you both personally and financially. Partnering with a specialized insurance broker is your best line of defence, so you can focus on creating a positive balance of well-being with your clients.

Traditional Chinese Medicine Insurance Program

Our Traditional Chinese Medicine insurance program is designed to meet or exceed all of your College’s requirements and provides coverage for all sanctioned practices.

With premiums starting at $250.00 per year, our policy offers:

  • Exclusive wordings
  • Instant on-line quotation and certificate issuance for your College
  • Multiple modalities for one low price
  • Available property coverage extension
  • Retroactive coverage available

$2,000,000 professional malpractice and commercial liability:

  • ‘Occurrence basis’ policy simplifies your insurance purchase
  • ‘Abuse and Molestation’ Extension Claims Made Form (per claim/annual aggregate $100,000)
    1. Expenses for the defense of civil actions
    2. Includes Legal Expense Reimbursement of $25,000 for criminal actions
  • $500,000 Unintentional Breach of Confidentiality Claims Made Form
  • $100,000 Employer’s Liability - per occurrence
  • $500,000 Tenant’s Legal Liability - per occurrence
  • Included Unintentional Failure to refer to Healthcare Provider

Please note: Coverage only applies when you are pleading and adjudged to be innocent of the offence.

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