Section 230-RICR-20-10-1.6 - Requirements of Medical Malpractice Insurance PoliciesA. Insurers issuing medical malpractice insurance policies covering risks which are required to carry medical malpractice insurance by the provisions of R.I. Gen. Laws § 42-14.1-2 shall issue policies that comply with the following minimum requirements. This section does not apply to policies issued excess to a primary policy 1. Policy limits shall be in a minimum of one million dollars ($1,000,000) for claims arising out of the same professional service and three million dollars ($3,000,000) in the aggregate2. Policies shall not include any deductible in excess of ten thousand ($10,000) per claim.3. All medical malpractice insurance policies shall cover the legal liability of the insured for loss, damage, or expense incident to claims of bodily injury or death arising out of malpractice, professional error, or mistake.4. Rates for all medical malpractice insurance shall not be excessive, inadequate or unfairly discriminatory and shall be actuarially justified.230 R.I. Code R. 230-RICR-20-10-1.6