Assessing Nursing Perceptions of Medical Malpractice Insurance at King Saud Medical City (KSMC), Saudi Arabia

Abstract

Background: Medical Malpractice Insurance (MMI) is a vital safeguard for healthcare professionals, protecting them against the financial and legal consequences stemming from patient care. As primary providers within the healthcare system, nurses face direct risks in their daily practice, making adequate coverage essential. Aim: This study aimed to explore the perceptions of nurses regarding MMI at King Saud Medical City (KSMC), Saudi Arabia, focusing on their understanding, experiences, and concerns related to its implementation. Method: A descriptive qualitative approach utilizing convenience sampling was employed to recruit 15 registered nurses from inpatient and outpatient units. Three focus group interviews were conducted, and the data were analyzed using qualitative content analysis. Results: Four themes and eleven subthemes emerged: (1) Perception and Understanding of MMI: limited conceptual clarity and emerging recognition among nurses; (2) Institutional Implementation and Communication: top-down introduction, lack of formal awareness programs, and administrative enforcement; (3) Concerns Regarding Coverage, Process, and Regulation: uncertainty about scope, inequitable pricing, and confusion over investigative and legal processes; (4) Motivation, Perceived Value, and Suggestions: protective mindset, cost-benefit concerns, and calls for incentives and institutionally negotiated rates. Conclusion: The findings reveal significant gaps in nurses’ understanding of MMI and underscore the need for structured educational initiatives, transparent communication, and role-based policy adjustments. Strengthening institutional support and ensuring fair and transparent coverage terms can enhance nurses’ sense of security, ultimately contributing to a safer and more supportive healthcare environment.