Hospital Employed Doctors

Why do I need cover?

Although your employer may meet your key indemnity needs for medical negligence, you may still be exposed to additional risks not covered by your employer.

If you work in a hospital and undertake no, or limited private practice, then MIPS can offer you membership on a 'hospital employed doctor' basis so that you pay a lower membership fee than if you were only doing private practice. This accounts for the fact that your employer is providing you with indemnity cover for all or some of your work.

Hospitals and other employers may not be able or be unwilling to indemnify their staff in certain situations. Here are some of the things that MIPS membership provides that your hospital may not offer:

  • 24-hour Clinico-Legal Support from experienced practitioners
  • MIPS Protections (discretionary cover for non-healthcare indemnity matters that arise from members professional practice, eg disputes with your employer or colleagues)
  • Assistance with coroner’s reports
  • Personal accident cover
  • Cover for private practice outside of your hospital (if you choose a category with limited private practice)
  • Good Samaritan cover
  • Cover for any overseas gratuitous work (including travel insurance)

Additionally, you are also welcome to take part in any MIPS accredited risk education, which counts toward your CPD requirements.

Undertaking private work?

Your membership can be extended to provide cover for undertaking private locum placements, surgical assisting or after hours deputising services.

Consider the following and ask yourself: do I need MIPS membership?


Case study: Allegation of professional misconduct

Nursing staff at a hospital complained that a hospital employed doctor had written up a clinical examination he had not performed. The allegation was reported by the hospital to the NSW complaints body the Health Care Complaints Commission (HCCC) two years later. The doctor denied all allegations but was investigated by the HCCC. A charge of professional misconduct was made. The HCCC then brought prosecution of the matter to the Medical Tribunal.

The doctor was provided with assistance from MIPS, and the matter was successfully defended, at a defence cost in excess of $40,000.

Complaints at the level of a state or territory complaints agency can take a lot of time and effort to resolve. Members are advised to always seek assistance from MIPS before replying to such complaint.

Membership fee

Because of the employer indemnified practice they undertake, MIPS members working with an employer indemnified basis pay significantly lower membership fees than members in private practice. Membership fees vary according to State of practice, your risk history and whether you conduct any private practice.

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Risk education

MIPS also provides valuable risk education within most public hospitals in Australia through our clinico-legal workshops. You can also attend our member workshops, webinars or complete online training units.