Medical and paramedical professions
Whether you're a health professional, general practitioner or specialist, pharmacist, dietician or veterinary surgeon, our cover is tailored to the demands of your profession.
All the essential insurance cover for your activity in one single policy.
🏥Protecting your premises
The premises of healthcare professionals, such as doctors‘ surgeries, dentists’ surgeries or pharmacies, are exposed to specific risks that can disrupt access to care.
Fire 🔥 : a short circuit in an examination room causes a fire and damages the ceiling and walls of your surgery.
We will reimburse you and cover the associated costs.
🩺 Protecting your property
Examination table, light boxes, rehabilitation equipment, dentist's chair... Medical equipment adds up to a major investment for you.
Water damage 💦 : a pipe bursts during the night, flooding your premises! The computers containing your patients' results are damaged, and the stored chemical reagents are unusable. We cover the costs of repairs and refits.
💉 Protecting your liability
The medical procedure is at the heart of the healthcare profession. But this procedure can sometimes give rise to accidents, unintentional errors, etc.
Business liability insurance covers bodily injury, property damage or consequential loss caused to third parties (patients, suppliers, neighbours) in the course of the day-to-day running of the premises and activities.
🧹A patient slips on your freshly washed waiting room floor and breaks their ankle.
☕Your secretary accidentally spills coffee on the computer of a medical representative who has come for a visit.
💰 Protecting your income
Your income depends heavily on the availability of your premises, equipment and your ability to see and treat your patients.
- Business interruption
This provides a safety net by compensating for the downturn in gross margin resulting from the interruption of business following a covered loss. We can also roll out all the resources you need to get back up and running quickly (communication with patients, office rental, temporary equipment, etc.).
- Inaccessibility of your premises
A fire in the neighbourhood blocks street access to your veterinary clinic for several days. Your are forced to cancel appointments. We compensate you for your loss.
Choosing AXA to insure your business means building a relationship of trust with a prevention insurer.
As a healthcare professional, we recommend that you:
- 📹 Install an alarm and video surveillance system.
- 🩺 Diligently maintain medical equipment: service medical equipment regularly to ensure that it is working properly and to prevent failures.
- ♻️ Set up a waste management system.
You can take out your professional insurance directly with your AXA intermediary, who is closest to you and your business.
A modular offer that adapts to your business and your insurance needs.
- Comprehensive theft coverage and various options to suit your business.
- Financial protection with two coverage options to enable you to continue your business in the event of a setback.
What our policyholders have to say...
“As a general practitioner, I often have to contend with unforeseen situations. That was the case last year when my practice was damaged. The situation was stressful, but I quickly realised how lucky I was to be insured by AXA Luxembourg. Their team was responsive and listened to my needs. They dealt with the necessary repairs quickly and efficiently, which meant I could get back to work without too much disruption. I'm so grateful to have been able to count on a reliable partner during this difficult period. Thanks to AXA, I can go about my day-to-day business with a sense of protection and safety.”
