Professional Healthcare Services

1. Healthcare services that the Insured is licensed and registered in the territory set out in the Schedule to practise, including medical, nursing, dental and therapeutic advice and services, which are disclosed in the Proposal and accepted by the insurer; or
2. Any decision or directive that are imposed on the Insured or which the Insured are directed to adhere to by any accredited medical professional board or equivalent of the Insured; or
3. Clinical trials conducted by the Insured, but solely with respect to Claims or Inquiries for Bodily Injury arising directly from the provision of Professional Healthcare Services by the Insured; or
4. Supervision, education and training conducted by the Insured of a healthcare student undertaking a recognised healthcare training program.

Medical Incident

An act, error or omission by the Insured in the course of practising as a licensed and registered healthcare professional or the equivalent thereof, as defined under the relevant law or regulation of the country where the Insured practises.