Jump to content

Nursing-student Malpractice Insurance

Students   (5,165 Views 17 Comments)
by Jenny67 Jenny67 (Member) Member

2,489 Profile Views; 105 Posts

Are you a credible source? Add your Credentials, Experience, etc.

3 Followers; 36,831 Posts; 97,240 Profile Views

My nursing school required students to have malpractice insurance. I've been insured with NSO ever since. It came in handy when I was sued. Highly recommend everyone to get insured.

Share this post


Link to post
Share on other sites
Are you a credible source? Add your Credentials, Experience, etc.

3 Followers; 36,831 Posts; 97,240 Profile Views

Kel2BanRN

You need to check with your school. That insurance is probably student health insurance. Some schools require students to have health insurance and will provide it with part of the tuition money. At any rate, you need to check and find out what you really have.

Share this post


Link to post
Share on other sites
Are you a credible source? Add your Credentials, Experience, etc.

23 Posts; 1,102 Profile Views

My nursing school required students to have malpractice insurance. I've been insured with NSO ever since. It came in handy when I was sued. Highly recommend everyone to get insured.

you got sued????:o while ur a student???

Share this post


Link to post
Share on other sites
Are you a credible source? Add your Credentials, Experience, etc.

3 Followers; 36,831 Posts; 97,240 Profile Views

maireez

I started a reply to your post earlier but my internet connection dumped. I was sued related to work. But yes, you can get sued at any time, even as a student, even though you are working under your clinical instructor's license in clinicals. The biggie about my situation: the attorneys were provided by my employer and they told us on day 1 that at any time they could withdraw their representation of us nurses. You are always responsible for your own representation. You can't rely on anyone to help you out with this. For this kind of lawsuit, they don't come cheap. Hope you go through your school experience and your entire career without being sued. It does wonders for your view of nursing and life in general.

Share this post


Link to post
Share on other sites

MikeyJ is a RN and specializes in Peds, PICU, Home health, Dialysis.

1,124 Posts; 9,312 Profile Views

My school doesn't talk to us students about malpractice insurance; however, in the student handbook it says that "student nurse malpractice insurance is suggested...". It was only $29 for the year, so I decided to go ahead and purchase it.

Student nurses most definitely can be sued. Nurses are not the ones typically sued -- doctors are because they have "deeper pockets" (that is why some MD/DO specialities can pay $200K a year in malpractice insurance). However, nurses can be directly sued if they were directly responsible for something because of their negligence.

Share this post


Link to post
Share on other sites

MikeyJ is a RN and specializes in Peds, PICU, Home health, Dialysis.

1,124 Posts; 9,312 Profile Views

Oh I forgot to add one thing. The clinical coordinator at our local county hospital came and spoke to my class about rules & regulations about clinicals at their hospital. She told us about a student not too long ago who killed a patient due to negligence. If I recall properly the student had given a PO drug IM or IV (I forget how it went). Anyway, that is a perfect example of a student probably needing legal assistance.

Share this post


Link to post
Share on other sites
Are you a credible source? Add your Credentials, Experience, etc.

31 Posts; 965 Profile Views

Mine was included in my tuition. I didn't even realize I had it. However, I think its smart. I've been a CNA for 8 years and family members are always threatening to sue just because their emotions run high.

Share this post


Link to post
Share on other sites

WDWpixieRN is a RN and specializes in Med/Surg <1; Epic Certified <1.

2,237 Posts; 11,147 Profile Views

I'm a member of the National Student Nurses' Association, and this is one of the benefits:

Professional Liability Insurance

For only $29 a year, nursing students can enroll for up to $6 Million aggregate, up to $1 Million each claim professional liability insurance protection through Nurses Service Organization (NSO) – the official NSNA – endorsed malpractice provider. And, First-year Graduates are eligible for a 50% discount off the full-time nurse's premium for up to one year following graduation. Visit NSO at http://www.nso.com.

Share this post


Link to post
Share on other sites
Are you a credible source? Add your Credentials, Experience, etc.

25 Posts; 982 Profile Views

I would ask your program specifically, we were told we did not need to get it (I think we're covered under our clinical instructors or the school gets it for us or something)

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.
×