Ethical And Legal Challenges Associated With Health Insurance And Professional Liability In Medical Ethics
- IJLLR Journal
- Dec 23, 2025
- 1 min read
Sornalakshmi V S, The Tamilnadu Dr. Ambedkar Law University
ABSTRACT
In a developing healthcare environment, health insurance and professional liability stand at the forefront of the ethics and legality of healthcare practice. Whilst health insurance is designed to secure people financially and provide medical services to them, it raises several ethical concerns regarding fairness, transparency, informed consent and that profit motives do not take precedence over patient welfare. The so-called professional liability, which is supposed to safeguard patients from medical negligence, also burdens clinical autonomy, possibly triggering defensive behaviours. These two types of services — insurance and liability — influence decision-making, resource distribution, and trust within healthcare, but they are highly interdependent. Ethical and legal implications of these two realms are examined, systemic failures are examined and reform to balance patient rights, provider responsibilities and institutional accountability is stressed.
Keywords: Health Insurance, Medical Ethics, Professional Liability, Medical Negligence, Ethical Challenges, Legal Regulation, Patient Rights, Clinical Autonomy, Transparency, Equity in Healthcare.
