We offer university hospitals the best possible insurance solutions
We have specialized in protecting large university hospitals since the mid-2000s. The majority of German university hospitals now rely on our expertise and know-how.
University hospitals are confronted with a variety of challenges and risks. Individual insurance cover is essential to ensure the smooth operation and safety of your institution. The focus here is particularly on healthcare liability insurance, cover for material substance and interruption risks, cyber risks, clinical studies and research work as well as complex medical technology.
Every university hospital has specific needs and risks. We create the best possible insurance solutions through an individual risk analysis and advice on the desired insurance concept. Please contact us for a non-binding consultation.
Cyber risks: protection against data loss and cyberattacks
University hospitals are particularly vulnerable to cyberattacks - partly due to increasing digitalization, the use of more interconnected IT systems and the handling of highly sensitive data. The information available in the healthcare sector, such as patient data, research results and clinical studies, is particularly valuable to cyber criminals. After all, the data not only has a financial value in itself, but also has an immense impact on the operation of clinics. A successful attack can lead to important systems being shut down, putting patients' lives at risk. Find out how our teams of experts can help you with cyber risk protection.
Clinical trials: innovation and risk drivers at university hospitals
Although clinical trials are of enormous importance for medical progress, they also entail considerable risks - for the test subjects, but also for the institutions that conduct them. This particular form of risk makes special insurance necessary in order to protect patients as well as clinics and researchers and, ultimately, to safeguard the progress of medical research. Sound risk advice is essential to ensure the necessary protection.
Our team of experts will be happy to support you in minimizing and preventing risks for all parties involved so that any claims can be dealt with quickly and effectively. In our FAQ, we have summarized the most important information on risk consulting and coverage for clinical trials for you. Ansgar Kentrup, member of the management, also explains in an interview how we as insurance brokers can provide support.
FAQ: Special risks and safeguards in clinical trials
Subjects in clinical trials are exposed to potentially unknown side effects or complications from new drugs or treatments. Despite strict ethical and regulatory standards, unexpected events can occur that endanger the health of the test subjects. Clinics and researchers are liable if participants are harmed or make legal claims. This can lead to costly legal disputes. In addition, regulatory requirements and data protection laws must be adhered to in order to avoid legal consequences.
If a study has to be unexpectedly discontinued or extended, considerable costs can arise. In addition, clinics may be subject to high liability claims if patients suffer damage to their health (see above).
Special liability insurance is necessary to cover the particular risks of clinical trials. These insurance policies offer protection for the trial participants as well as for the clinics and researchers. Patient protection insurance policies cover damage caused by participation in the study, such as side effects, unexpected complications or treatment errors. In addition, the right insurance protects the clinic and the research team from the financial burden of liability claims, which can be very high in clinical trials.
Specialized risk consulting is crucial for identifying and minimizing potential risks in advance. It includes:
- Risk assessments and risk analyses: identifying potential weaknesses in study design and conduct
- Compliance consulting: Ensuring that the study complies with legal and ethical requirements
- Training: Organizing training for study personnel to ensure that all participants understand and apply the necessary regulations and safety standards
- Preventive measures: Developing measures to prevent potential incidents of harm in advance
Healthcare liability insurance: Ownership models for university hospitals
Why are ownership models particularly relevant for university hospitals?
University hospitals face unique challenges and opportunities arising from their leading role in medical research and education. Ownership models, in which hospitals bear a portion of the financial risks themselves, offer numerous advantages for your institution:
- Cost efficiency: ownership models allow you to reduce insurance costs by purchasing coverage only for major unpredictable risks and bearing smaller risks yourself.
- Risk control: By directly controlling their own risks, clinics can develop and implement proactive risk management strategies, leading to a reduction in claims and therefore overall costs in the long term.
- Flexibility: Ownership models offer the flexibility to develop individual insurance programs that are specifically tailored to your clinic's needs and risks.
- Incentives for risk management: Clinics that bear their own risks have a stronger incentive to take preventive measures and continuously improve their risk management processes.
How do we support university hospitals in implementing ownership models?
With our predictive Total Cost of Risk analysis (TCR for short), we carry out detailed risk assessments and investigate which alternative offer is the most advantageous for the university hospital in question. Our aim is to determine the coverage alternative with the lowest risk costs. To this end, simulations of the number and amount of claims are carried out using the treatment case numbers and claims data of the respective university hospital, the trend and run-off factors and major claims data from the Ecclesia reference pool. Our reference pool, which has been collecting structural, performance and claims data from German hospitals and university hospitals since 1987, is a unique database. It greatly enhances the quality of our calculations, which always form the basis of our recommendations.
In risk and claims management, our service package ranges from targeted training on coverage and liability issues to conducting mediation proceedings with affected parties. In addition, we offer client meetings for the processing and targeted analysis of individual cases. We also support you with proactive claims support, an independent reserve calculation and a crisis team that is available at all times. As part of comprehensive ownership models such as the SIR, we are also happy to take over the complete claims processing for you. We always keep an eye on the current modalities of your ownership model and provide you with up-to-date analyses and suggestions for optimization.
We know your needs
Material substance and interruption risks
University hospitals have high building values, state-of-the-art medical equipment and technology that are essential for diagnosis and treatment. Damage or loss can lead to considerable financial burdens.
Our building, contents and technical insurance protects your assets against a wide range of risks.
Why medical liability is so important for university hospitals
The special position of university hospitals in the healthcare system also entails special challenges and risks. Comprehensive medical liability is essential in this area. On the one hand, this is due to the high number of cases and the complexity of treatment, which is common in university hospitals and automatically increases the risk of medical errors. Research into new treatment methods also harbors particular risks. In addition, many doctors in training often work in large university hospitals. Comprehensive medical liability offers financial protection here. Furthermore, liability cases can quickly have negative consequences for a clinic's reputation. Quick and fair compensation helps to maintain patient confidence. Our team of experts will be happy to put together the ideal liability solution for your team.
Clinical risk management
We have been actively committed to patient safety for many years and have set up a specialized consulting unit, GRB Gesellschaft für Risiko-Beratung, specifically for this purpose. Our teams have been supporting university hospitals in clinical risk management for over 25 years. Our services include risk analyses and assessments as well as operational support - always with the aim of providing preventive recommendations to avoid treatment errors and ensure better insurability through safe patient care. Our comprehensive advice enhances your safety, reduces claims and sustainably improves and secures the insurability of university hospitals and medical staff in the long term.
Claims reporting made easy
With our online claims notification, you simply submit your claim digitally and the team responsible will take care of processing it. If you use ecconnect, you can also report your claim directly in the tool.
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