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I am a nursing student that will graduate in May of 2008. As I get closer to graduation and realize the massive amount of responsibility and liability involved, I am starting to understand the need for insurance. (I am not sure if it is called in nursing or not). Anyway, can anyone offer me some advice on this, is it good/bad, ect.

Thanks,

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Specializes in Critical Care, Capacity/Bed Management.

You should always have mal practice insurance as an RN. Most of the nurses at my job pay 80 dollars a year and it covers up to a million dollars in damages.

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So is mal practice insurance something that the run of the mill insurance agency carries?

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Specializes in Critical Care, Capacity/Bed Management.

No, pick up a copy of AJN (american journal of nursing) they have a large variety of companies that offer mal practice insurance.

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Specializes in Med/Surg <1; Epic Certified <1.

I got student insurance through the NSNA -- National Student Nurses' Association. They also offer insurance for "real" nurses. It was very reasonable. It was also strongly suggested by several RNs on this website that we get our own as students even though our academic institutions carry insurance for us. Apparently that is primarily to cover THEM and not necessarily us. I felt that it was advice worth heeding.

Best wishes!

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I didn't even know that there was student insurance available. That is a good thing to know. I would feel much more comfortable knowing that I had that coverage as well.

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In our school we HAVE to have insurance. They call it nursing medical malpractice/professional . A great place to go is HERE. It is through the nurses service organization. The rate is by area and what you do. As a student in Florida I pay 20.60 a year! I would NOT do anything without this. As you graduate it will go up a bit, and you can increase the amount of coverage you want to take out. REMEMBER if something ever happens, even if you have liability insurance your hospital pays for you, when it is all said and done the hospitals representatives look out for the best interest of their client, the hospital. Cover yourself because you don't EVER want to be in a place where something, God forbid, goes wrong and your livelihood and retirement can be taken away. Cover your toosh!

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Specializes in ED, ICU, MS/MT, PCU, CM, House Sup, Frontline mgr.

My school is similar to nurz2be. You may wish to check with your school because I pay for insurance with my lab fees every semester. You may be doing the same. If you are not, then I would look privately. GL.

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We have it as a student as well but the school arranges the coverage. WE pay $15 a year.

I am hearing that I may want more coverage as an OR nurse, and also to make sure exactly what the coverage entails as they vary a lot by company. Maybe someone who knows about this can fill in the details I can't provide.

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lots of good info, thank you for passing it along all.

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So has anyone out there actually had to USE the insurance (NO specifics needed). I wonder if it is just like auto insurance (haha) pay it YOUR WHOLE LIFE, and if you end up with a claim (GOD FORBID) they suddenly aren't there for you. :angryfire.

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