When a patient is subpoenaing a clinician for an appointment from six months ago, what type of insurance would cover this claim if the policy was active at that time?

Occurrence-based insurance is designed to cover incidents that occur during the policy period, regardless of when the claim is made. This means that if the policy was active at the time of the patient’s appointment six months ago, any claims arising from that appointment would be covered, even if the claim is filed later.

In contrast, claims-made insurance only provides coverage if the policy is active both when the incident occurs and when the claim is made. Therefore, if a claims-made policy were in effect at the time of the appointment but had expired by the time the claim was filed, it would not provide coverage.

Comprehensive and supplemental insurances generally refer to types of policies that offer broader or additional coverage rather than being directly tied to malpractice and liability claims. This makes them less relevant in the context of medical malpractice related to clinical services.