What Should Doctors Look for Before Buying a Professional Indemnity Insurance Policy in India?

Hi everyone,
I’m planning to purchase professional indemnity insurance for doctors, but the market is full of different plans, cover limits, exclusions, and features. It’s getting a bit confusing to understand what truly matters.

Can someone guide me on:

• What are the key factors to check before buying indemnity insurance?

• How to decide the right coverage amount?

• Are there any hidden exclusions doctors should be aware of?

• Do these policies actually help during medical negligence claims?

While searching, I came across this resource that explains it in detail:
https://www.investkraft.com/business-insurance/professional-liability-insurance/doctor-professional-indemnity

If any doctors, clinic owners, or experts here have experience with such policies, please share your insights. It will help a lot of us make a better decision.