Medico Legal Affairs

FAQ's
 
Consumer Protection Act
 
The Consumer Protection Act is a socio-economic legislation enacted in 1986. It is a progressive and comprehensive piece of legislation, which was brought on the statute books after detailed study of consumer protection laws in various developed countries such as UK and USA. Representatives of consumers, trade and industry were also consulted while drafting the law.
 
The avowed objective of the Act is better protection for consumers through simple, speedy and inexpensive redressal of their grievances without having to follow intricate legal procedures and suffer the accompanying burden of prohibitive costs.
 
Here are the brief answers to some frequently asked questions on the subject, with particular reference to the legal profession :
 
1. What areas are covered by the Act ?
 
2. Who is a Consumer ?
 
3. Who can file a complaint ?
 
4. Under what circumstances can a complaint be filed ?
 
5. Which is the forum for filing such complaints ?
 
6. What are the reliefs available to customers ?
 
7. Does the Consumer Protection Act Apply to medical services rendered by Doctors, Hospitals, and Nursing Homes ?
 
8. Can the consumer complain only in respect of deficiency of services or also for the fees which are charged ?
 
9. What impact has the Consumer Protection Act had on the medical fraternity ?
 
10. What steps should doctors take to protect themselves against such liabilities ?
 
11. What recourse is available to a doctor in the event of a consumer action ?
 
12. What kind of insurance is available to protect Medical Practitioners ?
 
1. What areas are covered by the Act ?
Both goods as well as services are covered by the Act.
 
2. Who is a Consumer ?
Consumer is one who buys any goods. It also includes a user of goods which have been purchased. In respect of services the Consumer is one who hires any services for a consideration - whether paid for immediately or to be paid in future. It also includes a recipient of such services, other than the person who has paid for it.
 
3. Who can file a complaint ?

A complaint may be filed by :

  • a Consumer
  • a registered voluntary consumer organisation
  • the Government – central or state
  • one or more consumers having a common interest
4. Under what circumstances can a complaint be filed ?
A complaint may be filed where the goods / services suffer from any defect / deficiency or where the person has suffered any loss or damage as a result of an unfair trade practice adopted by the seller or where the trader has charged a price in excess of that fixed by law / displayed on the goods.
 
5. Which is the Forum for filing such complaints ?
  • The District Forum - where the cost of goods or services and compensation sought is less than Rs.5 lakhs
  • The State Commission - where the cost of goods or services and compensation sought is over Rs. 5 lakhs but below Rs.20 lakhs and
  • The National Commission - where the cost of goods or services and compensation sought is more than Rs.20 lakhs.
 
6. What are the reliefs available to Consumers ?
In respect of goods relief can be in the form of removal of defects, replacement of goods, refund of the price paid or compensation for loss or injury suffered. In respect of services reliefs would generally be in the form of refund of the price paid or award of compensation for loss or injury.
 
7. Does the Consumer Protection Act apply to medical services rendered by Doctors, Hospitals and Nursing Homes ?

Yes ; the following categories of services are covered :

i. services rendered by a doctor to a patient by way of consultancy, diagnosis and treatment.

ii. services rendered at hospitals / nursing homes, where charges are required to be paid by persons availing such services, irrespective of whether such payment is made directly by the patient or by an insurance company under a policy for medical care or by the employer for the medical treatment of an employee or his dependent family members.

The following categories of services, however, are specifically excluded :

i. services rendered free of charge by a medical practitioner

ii. services rendered at a Nursing Home or Hospital, whether governmental or non governmental, where no charges at all are levied.

 
8. Can the consumer complain only in respect of deficiency of services or also for the fees which are charged ?
It is only deficiency in service which is covered; fees, howsoever exorbitant, are not a matter for consumer forums to adjudicate upon.
 
9. What impact has the Consumer Protection Act had on the medical fraternity ?
The apprehensions created in the minds of doctors has resulted in their becoming "ultra cautious" and looking at ways to reduce risks or transfer the burden of their responsibilities / liabilities by referring even the simplest indications for further analysis through a pathologist, radiologist or even a consultant / specialist in the field. This has only added to the financial burden of the patient.
Another fallout has been a rush on insurance companies for obtaining professional indemnity insurance cover. Naturally, the expenses of such covers are passed on to the eventual consumer.
 
10. What steps should doctors take to protect themselves against such liabilities ?

While each case would have to be dealt with separately, the following general guidelines may be observed :

  • Maintain a precise and meticulous record of the patient's case history together with your diagnosis / findings.
  • Record the date and time of each consultation.
  • Clearly record drug allergies
  • Give clear instructions to the patient and ensure that he/she has understood them.
  • Do not hesitate to refer the patient to a specialist if you deem it necessary.
  • Do not attend to patients if you are unwell, exhausted or under the influence of alcohol.
  • If the patient is under the effect of alcohol this should be noted on his case record.
  • Obtain written consent of the patient for diagnostic procedures such as endoscopy, CT scan, etc. Ensure that the patient has fully understood the procedure and accompanying risks, if any, before giving the consent. Such consent should particularly be insisted upon in cases involving administration of general anaesthesia, surgery, intimate examinations and major diagnostic procedures.
  • In case of a child or a person of unsound mind the written consent should be taken from a parent or guardian.
  • In case of surgeries the surgeon must personally perform the same and not leave it to his assistants or juniors
  • Ensure the attendance of a qualified anaesthetist at all times during the course of surgery
  • The surgeon should also make himself available for post-operative care
  • Medical certificates issued to patients must be carefully and accurately word
 
11. What recourse is available to a doctor in the event of a consumer action?

In defending such actions a Doctor can raise the following

  • Inaccurate or incomplete disclosure of case history by the patient.
  • Failure of patient to take the prescribed medication or to follow instructions regarding rest, diet, follow-up treatment, etc.
  • Refusal of the patient to carry out pathological or radiological or other investigations advised by the Doctor.
  • Failure of the patient to discuss important information such as past history, allergies, etc.
 
12. What kind of insurance is available to protect Medical Practitioners ?
Insurance companies such as Oriental Insurance Company Limited have a "Professional Indemnity Policy" for Doctors and Medical Practitioners. Under such policies indemnity is available for claims arising out of bodily injury and/or death of a patient caused by error, omission or negligence in professional services rendered or which should have been rendered by the insured or qualified assistant or nurse or technician employed by the insurer. The policy also covers legal costs, fees and expenses. The rates of premium are linked to the extent of coverage and the area of specialisation.
 
Top

Printer FriendlyPrinter Friendly