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Claims

Medical Claim Philosophy

Altor Claims Philosophy

Your policy is designed to provide coverage for a range of circumstances. It is not always easy to know when or what to report to your insurance carrier. When in doubt, give us a call and lean on our expertise. We understand these situations can be stressful, but our team is dedicated to helping you through the reporting process. If you have any questions, give us a call at 844.442.5867 option 3.

When to Report?

When to Report a Medical Claim

Altor provides claims made coverage for medical professionals nationwide. We approach every medical practice as a unique business; it is our mission to apply sound underwriting principles to find insurance solutions to meet the unique needs of our insureds. We believe that defense is the best form of risk management, and thus, our coverage is designed to protect medical professionals proactively. Our advice is to call us as soon as possible to report any incident that could result in a claim. This way, we can walk with you every step of the way, providing expert guidance and support to mitigate potential risks.

When to Report a Medical Claim

What Should I Report?

The following is a non-exhaustive list of reportable circumstances. When in doubt about what to report we recommend calling and speaking with one of our Claims Representatives.

Medical Outcomes

  • Birth Related Injuries

  • Severe Injuries

  • Organ Damage

  • Burns

  • Sensory Injuries

  • Loss of Limb

  • Unexpected or Sudden Death

  • Neurological Injuries

  • Wrong Surgical Site

  • Deformity

  • Paralysis

  • Unanticipated Adverse Outcomes

  • Disfigurement or Disabilities

Legal Inquiries

  • Letters of Intent

  • Lawsuits

  • Notice From Attorney

  • Demands From Attorneys

  • Subpoenas

  • Requests for Interviews by Attorneys or Media

  • Screen Panel Hearings

  • Deposition Notice

  • Medical Board Inquiries

  • Arbitrations

  • Legal Papers That Name You or Your Practice

  • Medical Record Request

Other

  • Disputes Among Healthcare Providers or Hospital Staff

  • Verbal or Written Threats or Complaints

  • Notices or Demands From Patients

How Can I Report?

To report a claim or incident, please call us at 844.442.5867, option 3, to speak to a member of our claims team. Initial reporting should take approximately 15 minutes or less. Please be advised, we can only accept reports from the policyholder, and coverage cannot be triggered by voicemail.

What Happens After Reporting

What Happens After Reporting?

Once a report has been made, a member of our claims team will contact you to collect any additional information they may need. At that time, they will walk you through the next steps of the process. Should your report progress to a suit, Altor is committed to defend you and pursue a reasonable and fair resolution.