Medical malpractice insurance that covers the insured for any claims arising from an incident that occurred during the time the policy was in force, regardless of when the claim is made is called:

Medical malpractice insurance that covers the insured for any claims arising from an incident that occurred during the time the policy was in force, regardless of when the claim is made is called:

• A. Occurrence insurance
• B. Claims-made insurance
• C. Tail insurance
• D. Retroactive coverage

Answer: (A)

This type of policy is defined by when the incident occurred, not when the claim is filed. Occurrence insurance covers any claim arising from an incident that happened during the policy period, regardless of when the claim is later made. That means if a medical error occurs while the policy is active, the claim can come years later and still be covered as long the incident happened during the time the policy was in force. This aligns with the statement given in the question. Understanding the contrast helps: claims-made insurance requires the claim to be filed during the policy period, or you’d need tail coverage to protect against claims made after the policy ends; tail insurance is an added extension, not the basic coverage described here. Retroactive coverage relates to extending protection for acts after a chosen retroactive date under a claims-made policy, not to the broad, time-of-incident protection described in occurrence insurance.

This type of policy is defined by when the incident occurred, not when the claim is filed. Occurrence insurance covers any claim arising from an incident that happened during the policy period, regardless of when the claim is later made. That means if a medical error occurs while the policy is active, the claim can come years later and still be covered as long the incident happened during the time the policy was in force. This aligns with the statement given in the question.

Understanding the contrast helps: claims-made insurance requires the claim to be filed during the policy period, or you’d need tail coverage to protect against claims made after the policy ends; tail insurance is an added extension, not the basic coverage described here. Retroactive coverage relates to extending protection for acts after a chosen retroactive date under a claims-made policy, not to the broad, time-of-incident protection described in occurrence insurance.