Modern Aesthetics magazine recently ran this article by David Shaffer, vice president of Insurance Office of America's Professional Medical Healthcare Division, which provides the most comprehensive medical spa insurance to members of the American Med Spa Association (AmSpa). To find our your medical spa insurance program options, call 312-981-0993 or log on to www.americanmedspa.org.
Medical spa insurance claims and their outcomes run the gamut of relatively mundane to extremely severe, depending entirely on their circumstances. As they say, the devil is in the details and, although there are some commonalities that exist between many claims, there is no clear comparison when it comes to common claims, common defendants, and common pricing or insurability responses to claim activity.
A CLAIM EXAMPLE
All claims are heavily influenced by the circumstances surrounding the alleged negligence. By that, I mean you may have two claims with comparable allegations with entirely different outcomes. Consider the following example.
A regular medical spa patient returns to ABC Medical Spa for a third round of laser treatments. In this instance, the services were provided by a certified electrologist. Prior to commencing treatments, the patient’s chart was referenced and the same laser settings that were used successfully during the two earlier treatments were also used for the third. Following the treatment, the patient displayed visible epidermal burns to the face. Ice was applied, and anti-inflammatory, antibacterial and anti-viral medications were all given to the patient. Over time, the patient’s burns mostly healed.