patient compensation funds

Patient compensation funds are state-operated programs that afford excess insurance coverage for healthcare providers, including doctors, hospitals, dentists, and some allied healthcare professionals.

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Such programs cap a defendant healthcare provider's per claim exposure at an amount specified in the state's statute. The fund pays any amount of a claim exceeding this threshold. Patient compensation funds are paid for by an annual surcharge against healthcare providers, generally a percentage of the provider's annual liability premium. Participating healthcare providers are required to maintain liability limits in an amount no less than the threshold at which the excess coverage applies.



excess recovery funds