Modality

Modality is a broad term that refers to the different types of treatments used to heal or alleviate physical disorders.

While most people might think that this term would be used as a reference for medical insurance coverage for expenses of treatment recommended by doctors, this is not the case.

Modality is a term that is usually found in professional indemnity insurance policies.

People in the profession of providing different types of physical therapy for patrons carry the inherent risks of customers suffering injuries from the therapy administered.

For example, rookies attending yoga classes can sometimes suffer from serious injury as their bodies are yet to adjust to the vigorous activities required. And thus suffer injuries. These can lead to lawsuits against the service provider for damages incurred.

Dermatologists who administer IPL treatments on the skin can sometimes burn the skin of patients from the wrong configuration of the laser machine.

Then there’s always a risk of injury when visiting chiropractors.

Professional indemnity insurance helps protect service provides such as yoga instructors, acupuncturists, or personal fitness trainers, etc, from legal claims made against them by customers who’ve had  bad experiences and suffered financial losses as a result.

Such insurance policies usually come with a list of professions that the policy plan would cover for claims made against them by victims.

The list of practicing professions can be exhaustive including:

  • Aestheticians
  • Masseurs
  • Aqua therapist
  • Dance therapy instructors
  • Physiothrapists
  • Lactation consultants
  • etc

The list can also be made up different types of modality treatments and therapy that is being provided including:

  • Reiki
  • Yoga
  • Meditation
  • Spinology
  • Neuro linguistics
  • Homeopathy
  • Feng shui
  • etc

As can be observes, modality is a very broad term in the insurance industry that encompasses various different types of physical therapists and treatments.

And it can be observed that a lot of new age practices can be included.

Because of this broad definition, and the high potential for one person to practice more than one of such modality, many insurance companies provide such insurance in a blanket or umbrella manner.

This means that buying just one policy would provide coverage for the different types of practices listed in their modality schedule.

In fact, when people find that what they practice is not listed in an insurer’s modality list, just calling up the insurer can convince them to include that specific profession on the list.

When an applicant declares to be in some type of profession, they would be required to submit information that verifies their status as qualified practitioners when applicable.

For example, if someone declares himself as a chiropractor, then he or she might be requested to submit his certifications or show evidence that he or she is a registered member of an association meant for such professionals.

Otherwise, when a claim is made and it is found that the insured did not make declarations of their information in good faith, then the claims can be denied.

Some insurance companies actually sell community memberships and provide all members with professional indemnity insurance coverage.

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