What is HAPI/PIP’s cost structure based upon?

• The following three variables, when combined, make up total cost:

There is no profit motive in HAPI/PIP’s cost structure

How do I know how much to pay for my deposits, dues and assessments?

• Your risk class determines the amount of your deposit, dues and assessments.

I have been in practice for 10 years and have been covered for medical liability coverage during this entire time. I want coverage with HAPI/PIP to include prior acts coverage. How much will it cost?

• HAPI’s cost structure fully matures in the 3rd year. If you are granted retroactive coverage, you will pay our 3rd year rate and be covered fully for prior acts for the preceding 10 years in an amount not to exceed your prior coverage or the HAPI/PIP maximum offered coverage.