|July 2009 · Vol. 21, No. 07
Focus on professional LIABILITY
“No-fault” insurance that covers a pregnancy and birth
The author envisions one-child-at-a-time policies that will blunt the OB malpractice crisis. Could it work?
A 3MLI policy covers an individual pregnancy. In the event of an adverse outcome, the patient’s right to sue is preserved.
A 3MLI policy lasts from the time it is purchased, in pregnancy, until the child reaches 21 years of age (unless the lifetime medical and support benefit is activated)
Dr. Ogburn is Director, Maternal–Fetal Medicine, State University of New York at Stony Brook.
The author reports no financial relationships relevant to this article. Support for the development of the manuscript of this article includes a grant from the American College of Obstetricians and Gynecologists.
The practice of obstetrics is in crisis because of the ever-rising cost of malpractice insurance. Premiums have become so burdensome in many states that they discourage physicians from providing OB care.