Sector Insurance Solutions

Healthcare and Pharmaceuticals

Secure reliable insurance protection in an industry where human health and lives come first. With SATUM’s comprehensive solutions, you’ll have the confidence that comes from protection against life’s unpredictable risks.

Core Insurance Products

Based on risk analysis, client needs and market offerings, we design insurance programmes precisely tailored to your business. Contact our specialists for more information.

Specific Healthcare Risks

Clinical Trials Insurance

Covers bodily injury to subjects during medicines or medical devices clinical trials.

Medical Materials in Refrigeration Equipment Insurance

Covers damage to medicines and biological materials from refrigeration equipment failure.

Pharmaceutical Products Liability Insurance

Covers liability for health or property damage from defective pharmaceutical products or medicines.

Healthcare Professional Liability Insurance

Compulsory professional liability insurance for injury from healthcare provision.

Other Insurance

General Liability Insurance

Covers liability for unintentional damage to third parties’ property or bodily injury.

Healthcare Facility Operations

Medical Equipment Insurance

Covers repair or replacement costs for medical equipment if damaged or stolen.

Healthcare Facility Business Interruption Insurance

Compensates loss of profit and fixed costs from unexpected healthcare facility interruption.

Property Insurance

Covers damage from natural disasters, theft and vandalism.

Cyber Risks Insurance

Provides protection from financial impact of cyber attacks, data breaches and IT outages.

Other Insurance

Vehicles (Standard)

Ambulance Insurance

Insurance for damage, theft or natural disaster during ambulance operations.

Passenger Insurance

Covers bodily injury or death of persons transported in ambulance during carriage.

Additional Insurance

Additional cover for glass damage, luggage, injury or assistance costs.

Driver Accident Insurance

Special additional cover for driver bodily injury from traffic accident.

Other Insurance

Cargo Insurance

Cargo insurance covering goods damage during transport by land, sea or air.

Legal Expenses Insurance

Covers legal representation costs in disputes and claims for compensation.

Motor Insurance

Compensates vehicle damage from accident, theft, vandalism or natural disasters.

Motor Third Party Liability Insurance

Compulsory motor third party liability insurance for injury caused to third parties.

Management and People

Students on Placement Insurance

Covers liability for property damage and bodily injury caused by student during healthcare placement.

Supplementary Pension Savings

Provides regular pension income above state pension with government support and tax benefits.

Life Insurance

Provides financial security to family in case of death and serves as long-term savings tool.

Accident Insurance

Provides financial compensation for injury, treatment, permanent effects or death from accident.

Other Insurance

Preferential Insurance for Employees and Management

Enables offering insurance to company employees at preferential rates.

Employees Liability Insurance

Covers damage caused by employee to employer.

Travel Insurance

Provides medical expenses cover, assistance and damage compensation during travel.

Directors and Officers Liability Insurance (D&O)

Covers financial consequences of wrong decisions and misconduct by company executives.

Other Insurance

Do you face industry-specific risks that exceed standard insurance products? We can help.

At SATUM we will create a comprehensive tailored insurance programme for you that considers the unique aspects of your sector.

Contact the SATUM
Healthcare and Pharmaceuticals Team

Team Leader

Ing. Zdeněk Přibyl

Executive Business Director

SATUM Czech’s healthcare and pharmaceutical insurance team comprises specialists with deep expertise in liability matters affecting healthcare providers and pharmaceutical manufacturers. We focus on comprehensive protection for healthcare organisations – from professional indemnity insurance through to property cover and risks associated with clinical trials and research. By understanding the specific demands of the healthcare environment, we create solutions precisely tailored to your needs.

We stay abreast of developments in medical law and healthcare liability frameworks, actively participating in industry conferences and medical exhibitions where we discuss emerging insurance challenges with healthcare professionals. Contact us for a consultation on your specific risks in this highly complex sector.

Common and Emerging Risks
in Healthcare and Pharmaceuticals

Healthcare and pharmaceutical organisations face constantly evolving risks that can threaten both their operations and financial stability – from liability claims to regulatory changes. These threats require heightened attention and proactive management to minimise potential losses.