Chinese Medicine Practitioner Liability Insurance

Protect your healing practice with liability insurance tailored for acupuncturists and TCM practitioners, because even the wisest medicine needs a safety net.

40+ years of delivering tailored solutions

30+ insurance providers to choose from

Trusted by 20,000+ clients

Free TCM remote consultation protection

Recent CMP graduates with less than 2 years experience can pay same price as normal CMP

Quote now

Low deductible

Calculated for each claim case:
Chinese Medicine General Practice (Prescription) First HK$5,000
Dit Da First HK$10,000
Acupuncture first HK$10,000

Six plans

Six plans are available based on the scope of TCM services provided by the insured and the required coverage amount

Reporting of claims

This insurance covers third-party claims made and reported within the policy period. Claims reported after the policy ends won't be accepted.

Amount of compensation

HK$3,000,000 -
HK$5,000,000

Vicarious liability

Maximum three employees

New "Registered Chinese Medicine Practitioners"

Registered Chinese Medicine Practitioners who have been registered for two years or less will enjoy the same price.

Prescription

Dit Da/Tuina/Massage therapy

Acupuncture

Cupping

Chinese Medicine Practitioner Liability Insurance

Potential risks faced by practicing physicians: medical malpractice, mismatch of Chinese medicine, negligence, inappropriate speech

TCM physician medical liability insurance can cover the legal liability and claims caused by these negligence or mistakes of the insured.

With the increasing number of patients seeking TCM treatment, TCM physicians may face complaints or civil lawsuits due to professional negligence or mistakes in their busy work, which may cause injury or death to patients. This process may require frequent investigations and legal actions, and may eventually require the payment of huge compensation.

After a medical malpractice or claim occurs, the insured should immediately report it to the insurance company in writing, and the insurance company will consider arranging corresponding legal representatives and handling all related matters. The insurance company will handle the claim in accordance with the terms and conditions of the policy, and provide necessary support and guidance to ensure that the rights and interests of the insured are protected.

TCM physician medical liability insurance is an important guarantee for TCM physicians, which can provide them with legal and financial support and reduce their risks and pressure when facing medical malpractice and claims.

Get an instant quote and follow-up

OUR SERVICES

Where comprehensive protection meets unmatched client advocacy

30+ insurance partners & 40+ years experience

With over 40 years of experience, we've cultivated deep relationships with 30+ leading insurers—relationships that translate into real advantages for your business. Our tenure gives us unmatched insight into carrier risk appetites and strong bargaining powers, allowing us to negotiate terms that newer brokers simply can't secure. For our clients, this means coverage that's not just comprehensive, but cost-optimised by four decades of institutional knowledge.

Long-term partnership

We take the time to learn your operations intimately, offering continuous support as your needs evolve. Our clients rely on us not just as brokers, but as long-term advisors invested in their stability. We assist clients in effectively managing their policies. We provide copies of policies, update policy information, process policy change requests, and support clients in making claims.

Your advocate, not just a broker

We operate with one simple principle: we work exclusively for you, not the insurance companies. We take the time to truly understand your unique challenges and priorities. We think proactively in your shoes, anticipating risks and opportunities you may not have considered. This client-first approach means we'll challenge insurers on unfair exclusions, negotiate better terms at renewal, and always prioritise what's right for your situation.

Rapid response

When incidents occur, we prioritise swift action to help you navigate the claims process efficiently. We guide you through each step with clear instructions on documentation requirements and procedures, ensuring your claim submission is complete and accurate from the outset. Our systematic approach combines responsiveness with careful attention to policy details, ensuring your claim processes as fast as possible.

Stress-free process

From the moment you report an incident, our specialists handle all communications with insurers, guiding you through documentation requirements in clear, straightforward terms. We take pride in removing the guesswork and proactively following up with adjusters on your behalf. Our organised approach and deep knowledge of Hong Kong insurers’ processes help prevent delays and frustrations, allowing you to focus on your business while we manage the details.

Expert handling

When you face an insurance claim, you need strategic advocacy from professionals who understand the nuances of Hong Kong’s insurance landscape. Our team of licensed brokers and claims specialists brings decades of combined experience in policy interpretation, loss adjustment, and insurer negotiation. We combine rigorous delicacy with deep knowledge of local insurers’ practices, ensuring your claim receives the professional handling it deserves.

Risk assessment

At our firm, we begin every client relationship with a thorough risk assessment. Our experienced advisors analyse your operations, identifying vulnerabilities that standard insurers often overlook, going beyond generic checklists and examining industry-specific threats. Based on our findings, we provide clear, actionable recommendations to strengthen your risk management framework.

Professional advice

Our advisors take time to thoroughly understand your business operations, financial priorities and risk tolerance before recommending solutions. We cut through complex insurance jargon to clearly explain coverage terms, exclusions and pricing structures across multiple policies as well as identify optimal coverage from our network of trusted Hong Kong insurers.

Insurance market analysis and cost efficiency

We conduct ongoing analysis of market trends, coverage innovations, and insurer performance to provide clients with strategic insights. Leveraging our established relationships with local insurers, we negotiate competitive terms while maintaining comprehensive coverage - consistently achieving significant savings compared to standard market premiums. It is our goal to achieve a 15% cost reduction compared to your existing premium.

Why choose LSC?

‎	LSC (Broker) 保險經紀	Agent 保險代理	Insurer 保險公司
Works for	You (Client-focused advocacy)	The insurer they represent	Shareholders
Choice of insurer	Compare 30+ insurers	Limited to 1-4 partnered insurers	Only sells own products
Product scope	Comprehensive	Limited	Niche & Restricted
Customisation	Tailored corporate solutions	Personalised life products	Standard package
Risk advice	Proactive expertise	Basic guidance	Sales-driven
Typical client profile	Corporate, SMEs, NGOs	Individual	Solo interest in one insurer
Claim support	End-to-end advocacy (loss adjuster experience)	Limited (Relies on claims department)	Minimal, hotline experience
Cost efficiency	Negotiated rates (Strong bargaining power with insurers)	Limited price options (Less bargaining power)	Fixed pricing
Compliance help	Yes (E.g. HK ECO, Section 88)	Minimal	None
Your best choice	Yes	No	No

From the best practitioners

Dr. Tang Wai Ying

Very professional, very affordable price, free warranty for online visits

Your guide to smarter coverage

From claims to coverage — the knowledge you need, simplified.

【醫療保險】為什麼保費會增加？為什麼claim不到？

【投保小知識】醫療保險和危疾保險有什麼不同？自願醫保是什麼？

【醫療保險】睇中醫有冇得 claim 保險？索償必須注意事項

See more blogs