Most of the students are not aware of the importance of insurance while taking their CNA training. As all our attention is focused on other parts of the training program, we hardly have any time nor hint to consider this essential factor. Perhaps, we all are under an impression that we will not commit any negligence, abuse, or mistake when asked to learn the clinical skills during the training.
To some extent, it is accepted not to go with insurance if you are sure about staying away from committing any mistakes. However, it is still recommended to have insurance in case something miserable we have to encounter while taking care of patients during the clinical practice sessions.
Now you must be thinking why there is a need for CNA training insurance when you have not even started working as a nursing assistant. In reality, as a learner, you must be prepared for the impossible and expected things that may happen during clinical training.
Even when you are passed the certification exam and have finally started working as a nursing assistant you still should have insurance to protect your liabilities. Though the employer will provide you insurance while working, it would hardly help you from getting out of any obligations. This is because employers mostly want to protect their interests and business first.
Therefore, if you have the habit of protecting yourself from any occupational hazards, it will help in expanding your nursing career. First, let us talk about why it is necessary to insure your CNA training.
The training program has two parts. The first one is classroom training where you will learn through lecture and course materials. Every week, there would be homework assigned to you, which you need to complete it in time. To learn the actual healthcare skills, you need to attend practical sessions that will be conducted in either a hospital or a nursing home. A registered nurse will coordinate your clinical practice.
Since practicing hands-on skills by working directly with patients is compulsory, as a learner, you are already under stress and tension. You may also not feel comfortable with the environment where you are taken to practice.
The clinical training will ask you to check vitals that include body temperature, heartbeat and blood pressure. You will also have to feed patients, give them batch, lift and carry them to the toilet, dress their wounds, groom and feed them. Comprehensive training about the nursing assistant job will be given to you.
You may also need to record and pass information about patients’ conditions to the medical team. Since your role is to assist the medical team as well, you have to be alert, conscious and interesting during the training.
With these entire important roles you have to play while learning clinical skills, as well as after being employed, it is compulsory to have insurance coverage. If you are made an easy target by any patients, and they file a suit against you for abuse or negligence while taking care of them, the insurance coverage can rescue you under such circumstances.
For example, when lifting and carrying a patient to help them with toileting, you accidentally step on your foot and tumble on the ground causing further injury to the patient, chances are that you have to face legal charges filed by the patients. Though such incidents never happen in the job, there is no harm in being prepared for it. In fact, you must have a separate CNA insurance even when you are employed.
Remember, the institute or school you enrolled in will not provide the insurance cover. You have to buy it on your own. Many insurance companies can take care of unforeseen things that have the potential to occur while clinical training. Therefore, searching for the right insurance company is important. You can find them online or call them by getting their contact number from the telephone directory.
Doing online shopping is helpful since you will have reviews about the plan you are buying. Just have an exact estimate of the maximum amount you may need to pay under each category. The categories you may be subjected to pay for are negligence, abuse, and malpractice. Calculate the insured and premium amount and pick the best plan.
When you are entering into a medical field where many events occur daily, it is always better to have a protective cover for you. There is no compulsion in getting your CNA training insured, but it may help you if somebody tries to take advantage of you.