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Coverage

Basic Coverage

Coverage Options

PRIOR ACTS COVERAGE

Prior Acts Coverage protects you from medical malpractice claims that are reported to HAPI after you become a member but were incurred and not known during the time you were covered by your previous carrier.

TAIL COVERAGE

In the future, if you need to terminate coverage with HAPI, you will have the option of purchasing tail coverage. Tail coverage protects you from malpractice claims that occurred while you were a member but were asserted after you left the Plan.

LOCUM TENENS COVERAGE

When a HAPI member needs a temporary relief for their practice, they may request Locum Tenens coverage for a substitute physician. The substitute physician does not have to be a HAPI member. If the substitute physician does not have his/her own coverage, he/she must apply to HAPI and be approved to the Plan. To expedite the process, HAPI can provide members with a listing of approved locums for their specialty.



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