That shows a lack of understanding of the current malpractice mess. It’s hard to find a doctor who doesn’t have a lawsuit or settlement in hisa history, the suing disease is so pervasive. If insurancer companies refused to allow patients to see docs woth lawsuits, there would be almost no doctors left to see.

I don’t know about pain and suffering insurance, or loss of consortium insurance. Sounds like new territory, there. Although if there is a way to quantify the risk–maybe a job for an enterprising actuary–some company, perhaps even Lloyds, could give you a rate. If they can figure the risk of singing out of tune, the rest doesn’t seem so impossible, except perhaps for getting someone to buy the coverage.

However, in many respects I am already insured for health events related to any cause, including bad luck, bad genes, or medical malpractice by my general health insurance. I also buy insurance should I die, or become disabled from employment in my field. So pretty much whatever happens to me as a patient, I’ve got my family in decent shape. General purpose insurance is the best approach, as bad shit is more likely to be unrelated to malpractice. Patient purchased malpractice insurance does not help me in the instance no one conspires to cause me harm.

From the economic perspective, buying insurance for very specific events, like some of the cancer policies out there, is a poor choice. The specific policy does little good for life’s most likely problems and really just preys on inflated personal fears.