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Basic Coverage

Coverage Options

HAPI offers medical liability coverage on a claims-made basis for a limit of $1 million per occurrence with a $3 million annual aggregate.

New members pay substantially less for the first year of coverage. As their exposure to claims increases, subsequent annual costs increase accordingly, until they fully mature in the 3rd year.


Effective 1/1/13, all HAPI physicians will automatically receive the following additional coverages at NO ADDITIONAL CHARGE:

  • Group Term Life: Provides $20,000 coverage in the event of death.
  • Group Disability: Provides up to $2,000 a month for up to 24 months.
  • CyberRisk: Provides $50,000 protection against potential paper and electronic data breach, including privacy liability, computer information security, electronic medical liability, patient and regulatory notification, and regulatory fines and penalties.
  • MedGuard Plan: Reimburses up to $25,000 per year in legal expenses arising from disciplinary proceedings brought by the medical board, allegations of Medicare and Medicaid fraud and abuse, or allegedly regulatory non-compliance.

Click here to take a look at an example cost schedule

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