The amount of the premium depends on the classification of risks involved in the operations. The insurance company determines the premiums according to its basis of premiums.

The premium for a self-employed healthcare professional is usually a fixed sum. The premium for a private company or community is usually calculated based on the total salaries paid out by the company and using a factor corresponding to the risk classification of its operations.

Premiums for public sector operators is determined for each insured party individually mainly according to full liability principle.