What is the meaning of medical liability insurance retroactive period

I. What is the meaning of the retroactive period of medical liability insurance The retroactive date is one of the most important time criteria for determining the insurance liability of a claim-based policy during the period. The events covered by the policy must occur after the retroactive date specified in the policy before the insurance company assumes liability under the contract. Generally speaking, for the first time for the purchase of the period of claim system liability insurance policy policyholder, the retroactive date is the effective date of the policy Second, the retroactive period of time Insurance retroactive period refers to the period of time from the beginning of the insurance period back to the agreed period of time, the policyholder continuous insurance, the retroactive period can be calculated consecutively, but the maximum length shall not exceed three years. The starting date of the retroactive period shall not exceed the starting date of the insurance period of the first insurance policy. The retroactive period shall be agreed by both parties to the insurance contract and stated in the insurance contract. Article 87 of the Criminal Law of the People's Republic of China stipulates that a crime shall not be prosecuted after the following periods of time: ① If the maximum penalty is less than five years of imprisonment, the period of limitation shall be five years. ② the statutory maximum penalty is more than 5 years less than 10 years of imprisonment, the period of time for recourse is 10 years. (iii) If the statutory maximum penalty is imprisonment for 10 years or more, the period of limitation is 15 years. (iv) If the statutory maximum penalty is life imprisonment or death penalty, the statute of limitations is 20 years. If the prosecution is deemed necessary after 20 years, it can still be pursued after submitting to the Supreme People's Procuratorate for approval. Provisions of Medical Liability Insurance Medical liability insurance means that if the insured medical institutions and medical personnel incur financial compensation or legal costs due to medical liability during the insurance period, the insurance company will bear the liability according to the prior agreement. Specifically, medical liability insurance means that according to the principle of reciprocity of rights and obligations, the insurance company collects a certain amount of insurance premium from the insured person, and at the same time assumes the responsibility of paying compensation for medical malpractice occurred by the insured person. It can be taken out by doctors or hospitals, and the insurance company undertakes the financial liability of the hospitals and medical personnel (i.e. the insured) for the medical malpractice caused by the negligence of the medical institutions and medical personnel in the course of the diagnosis and treatment work in conformity with their qualifications. In our country, there are clear legal provisions on the retroactive period of medical liability insurance, every citizen needs to comply with. By reading the above full article you must have a certain degree of understanding of medical liability insurance retroactive period.