subject: Medical Malpractice Insurance: Is It Applicable For Nursing Students Too? [print this page] Medical Malpractice Insurance: Is It Applicable For Nursing Students Too?
With so many things to be concerned about - finding financing for school, juggling schedules, passing exams, even sneaking in some much needed sleep - the last thing that nursing students would want to be thinking of is malpractice insurance.
But a nursing student isn't in just any old type of educational program. At some point, they will be assisting registered nurses with patient care, and the second the nursing student sets foot in an educational facility, they could be held legally responsible for any mishaps that occur with a patient in the facility, or even any perceived mishaps.
Is that fair? Of course not. If a nursing student is sued when she didn't do anything wrong, will she be found liable? One would hope not. But the chances of winning in court are much higher when a nursing student has a lawyer who is looking out for their best interests, and most nursing students are not going to be able to afford to pay a lawyer's fees.
That's where student nursing insurance comes in. As the name implies, this is the type of insurance that will help defray lawyer expenses in case a student faces a medical malpractice suit while performing their training duties as a student nurse. And in case the student will be found at fault, the insurance will also be the one to pay for whatever damages will be incurred as a result of the verdict. That's why the insurance company would also do its best to provide a competent lawyer for the student.
You may ask; isn't the nursing school supposedly responsible for helping its student? Shouldn't the school pay for the lawyer? This may be a bitter pill to swallow but the reality is, schools do not concern themselves with such things. When a lawsuit hits, it's every man - or woman - for themselves.
Lastly, when the student successfully graduates from nursing school, he should, by all means, continue to pay for medical malpractice insurance. After all, it's really just a small price to pay considering the huge, expensive consequences of a budding lawsuit.
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