§ 91.003.Insurance Required

The insurance condition, and it is the same bargain this code strikes repeatedly.

The protection applies only to a health care practitioner who has liability insurance coverage in effect to cover any act or omission to which this chapter applies. The coverage must cover the acts or omissions of the practitioner and be in the required amount.

Subsection (b) confirms the coverage may be provided under a contract of insurance or other plan of insurance, and may be satisfied by the purchase of a $300,000 bodily injury and property damage combined single-limit policy.

A combined single limit is one figure covering both bodily injury and property damage, rather than separate per-person and per-occurrence sublimits — a simpler and generally cheaper structure.

$300,000 is modest against the comparable conditions. The charitable immunity chapter requires $500,000 per person and $1,000,000 per occurrence; the recreational use cap requires the same. This is a fraction of either.

The lower figure fits the exposure. A sports physical is a screening rather than a treatment, and the realistic claim is a missed cardiac condition — serious, but a narrower category of risk than general practice.

A practitioner without the coverage gets nothing from the chapter, which is the point: the limitation is available only where a claimant can collect against it.