We provide professional, affordable indemnity cover that protects doctors against allegations of wrongful practices and when preventable errors have occurred. We believe that by partnering with you, we can make the change and help solve South Africa’s medico-legal crisis.

The EthiQal Advantage

We are the only South African insurer to offer occurrence-based and claims-made cover. Where practitioners are changing from other claims-made products, retroactive cover is also available.

Through EthiQal’s collaborative approach and investment philosophy, doctors receive risk management support that helps them protect their life’s work.

EthiQal’s in-house clinical and legal teams are highly skilled and easily accessible where medico-legal support is needed.


You can download the EthiQal brochure  here.

You can download the Claims Made vs Occurrence Based Cover flyer here.

Meet the exhibitor

Irma Payne

Irma is passionate about client service.  With over 15 years’ experience in the insurance industry, she loves guiding and assisting clients to make informed decisions. 

She says: “Adding value and understanding every client’s individual need brings me joy.  I strongly believe that building long lasting relationships with clients is the backbone of the success story of any company or individual.  I look forward to meeting you so we can start our journey. 

Even though my surname is ‘Payne’, I intend to make your insurance experience as ‘painless’ as possible.”