Finding yourself in a situation where a patient is unhappy with their treatment and asking for a refund, what should be your response? For example, you may feel that your work is satisfactory, and you are unwilling to provide a refund to the patient considering all the time you spent on their care. Or you may be seeking a quick resolution to the situation. In this article, we’ll take a closer look at how to handle patient refunds.

In a word, yes. Many chiropractors significantly underestimate how much a breach will cost, and think they can self-insure it. Outlining what will happen in the event of a breach is very useful when understanding the value of cyber liability coverage. Below are a variety of claims scenarios that help illustrate the severity of cyber claims, and how widespread cyber breach activities are throughout the healthcare industry.

Scenario 1
Employees of a large chiropractic group discovered that their email accounts were not accessible. The group’s IT department investigated and discovered that a ransomware attack infected 10 servers and 50 workstations. The group had to close operations for two business days and suffered losses in relation to the event.

Cyber insurance covered a total of $83,050, as follows: