Hospital RMP Final

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    Running Head: Hospital Risk Management Plan 1

    Caribe HospitalRisk Management Plan

    MBAProgram

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    Hospital Risk Management Plan 2

    Four elevators connect the 3 floors with one dedicated to patient movement from floor to floor. Four

    stair case/emergency exits connect all floors and two have restricted access to the roof, and equipment

    (Air conditioners, Fire equipment, Antennas, etc.).

    The buildings have selective emergency fire systems located on all floors and outside buildings. Thelocation of the fire equipment is conspicuously marked with lit signage.

    Twenty four hour Security personal stations are located at the emergency entries, near the main

    entrance and next to each elevator entry on each floor. Additional security personnel are located near

    the emergency admitting desk and cashiers window. Roving Security personnel make random tours

    through the outside parking areas in marked vehicles and all security people carry radios with common

    frequency channels set. A contract between the hospital and a private Security Firm requires the firm to

    provide a set minimum of trained personnel. The Security firm must carry a liability insurance policy for

    $1,500,000.00 naming the hospital as the coinsured. The hospital is directly connected to the local

    police and fire departments for emergency needs.

    There are four outer buildings. One houses emergency generators with their automatic switch and

    battery requirements. A second building houses back up battery and electrical surge equipment for the

    extensive Computer systems used by the hospital. The third building houses emergency food, water and

    medical material that can only be used in a major emergency like a major hurricane. A rotation system

    has been established to rotate date sensitive material from this building. The fourth building is a fire

    proof building housing hospital records. Access to this building is restricted to authorized personnel

    only. All records are kept on permanent records and stored in fire/waterproof containers inside this

    building daily.

    The Hospital is owned by the Caribe Government. It operates under the "Caribe Health Care ProvidersMalpractice Act". Under this act the Caribe Government procures a group policy for ALL Caribe Health

    Care providers. The premiums are paid, in part, by the Caribe public funds. The Act also limits the

    amount that an attorney can charge for the contingency fee, as well as the amount that can be paid to

    the plaintive ($250,000.00 + medical fees) on winning the suit.

    The risk management program of the Hospital is a component of the Hospital Administration. The CEO

    and the Director of Risk Management and Insurance are responsible for the implementation and

    operation of the hospital risk management program.

    The Caribe Hospital has the following three pre-loss objectives:

    1. To reduce the frequency and severity of injuries. This first objective involves the analysis of thecost of safety programs, insurance premium and cost associated with different techniques for

    handling cost.

    2. To provide a safe and healthy environment for patients, employees and visitors to assuresuperior health care. The second objective is to focus on the reduction of anxiety. Certain loss

    exposure causes greater worry and fear for the stakeholders.

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    Hospital Risk Management Plan 3

    3. To create employee awareness of their responsibility in attaining and preserving optimum safetyconditions. This third objective focuses on meeting any legal obligation. For example

    government regulation may require that hospitals dispose of hazardous waste material

    properly.

    In an effort to accomplish the above three pre-loss objectives, the following major areas were identified

    as possible risk exposures. These broad risk exposures are comprised of many other risk exposures at

    varying frequencies and severities.

    1. Property This risk exposure consist of all physical property such as building and equipment.2. Liability This risk exposure consist of any obligation that legally binds the hospital to settle a

    debt or settle a wrongful act they have committed.

    3. Business Income Any income that the Hospital realized as a result of business activity.4. Crime A harmful act committed or omitted in violation of a law that is punishable by fines and

    imprisonment. A civil wrong or tort.

    5. Employee Benefits Indirect and non- cash compensation paid to an employee. These includehealth and life insurance. Some benefits are mandated by law such as social security,

    unemployment and workmen comp.

    6. Market Reputation and Public Images The impression that the public have both real andimaginary of the short comings and or strength of the Hospital.

    7. Government Laws and Regulations Specific guidelines prescribe by the government to theHospital industry on how to comply with its mandatory requirements.

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    Hospital Risk Management Plan 4

    M

    L

    H

    M

    H

    Property

    1. Building2. Grounds3. Generators4. Inventory5. Records &

    Computerfiles

    L

    L

    L

    L

    L

    Loss prevention and Commercial

    Insurance

    Loss prevention and insurance

    Loss prevention and property

    insurance

    Loss prevention and Commercial

    Insurance

    Loss prevention and insurance

    Business Income

    Loss

    1. Failure tocollect

    Accts Rec

    2. ImproperBilling

    3. DisasterEvents

    4. Failure toattract

    patients

    5.

    Lack ofqualified

    employees

    L

    L

    H

    L

    H

    Loss prevention and retention

    Loss prevention, loss reduction,

    retention

    Loss prevention, loss reduction,

    retention

    Retention

    Loss prevention and Insurance

    TYPE OF LOSSLoss

    Frequency

    Loss

    SeverityLoss Exposure Technique

    L

    L

    L

    L

    L

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    Hospital Risk Management Plan 5

    Crime Exposure

    1. Theft2. Terrorism3. Medical

    Billing

    Fraud

    4. Kidnap,Ransom

    treat of

    violence &extortion

    Employee Benefit

    Loss

    1. Failure topay

    employee

    related

    taxes

    2. Failure tomaintain

    contractual

    obligations

    3. Failure toprovide

    adequate

    working

    conditions

    4. WorkersCompensat

    ion

    Loss prevention, use

    retention and insurance

    Retention and loss

    prevention

    Loss prevention

    Loss Control and Workers

    Compensation Insurance

    M

    H

    M

    H

    Loss prevention andretention

    Loss reduction and Insurance

    Loss prevention and

    retention

    Loss prevention

    L

    L

    L

    H

    L

    L

    M

    M

    L

    M

    H

    M

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    Hospital Risk Management Plan 6

    Contamination

    1. Food2. Bodily Fluid3. Environ-

    mental

    4. Infectiousdisease

    M

    H

    H

    H

    Loss prevention

    Loss prevention andinsurance

    Loss prevention and

    insurance

    Liability

    1. Mal Practice2. Falls3. Malfeasance

    L

    L

    L

    M

    H

    H

    Loss prevention

    Loss prevention

    Loss prevention

    M

    H

    M

    Loss prevention, govt.

    insurance

    Loss prevention, govt.

    insurance

    M

    H

    L

    M

    L

    L

    M

    Reputation & Public

    Image

    1. Properbackground

    Check

    2. Accreditation

    3. Inadequateinventory

    supplies

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    Hospital Risk Management Plan 7

    Property

    1. BuildingLow frequency, Medium severity, loss prevention, commercial insurance

    Services offered include General Surgery, Medicine, Pediatrics, Obstetrics, Gynecology, Accident and

    Emergency, Laboratory and Radiology. All of these services are housed in different buildings in one

    complex that is interconnected by hallways and walkways.

    The building complex has one main entrance for patients and visitors with several exits for each

    building. The entire complex is fenced with wire mesh except the two entrances and exits. The security

    of the building is important to the doctors, nurses, patients and their families, and visitors alike.

    One of the measures the hospital can put in place to handle the risk of intruders inside the hospital

    compound, is to include security guards at the facility 24 hours per day 7 days per week. Security

    personnel can be part of the hospital staff or they can contract an independent security firm to handle

    the physical security of the building.

    Gang violence is now a menace to society around the world and Caribe hospital is no exception. Rival

    gang members have entered the facility on several occasions to settle differences started on the streets.

    This pattern of behavior puts the target patient, others patients, doctors, nurses, care givers and visitors

    at great risk.

    Security controls must be put in place to control the flow of persons in and out of wards; security guards

    must be installed through the complex. Security personnel must also be screened during the hiring

    process to make sure that they have no affiliations with gan