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I am indemnified by my employer – do I still need insurance?

If you have indemnity provided by your employer, you might be wondering if you still need insurance? It is important to check what’s provided, as cover may be limited to claims arising from your civil liability only.

While cover for civil claims is the only cover required by Ahpra to meet its requirement for holding appropriate professional indemnity insurance, the indemnity provided by your employer might not cover you for Professional and Disciplinary matters, Employment, Training Program and University Disputes or Pursuit Matters as outlined in the Indemnity Insurance Policy.

Where your employer may not offer you cover

Locum placements or after-hours GP deputising services.
Telehealth for another employer.
Surgical assisting at another employer.
Responding to or appearing before a coronial inquiry.
A patient complaint made to Ahpra.
Making a mandatory report to Ahpra including self-reporting.
Assistance for workplace issues that arise with your colleagues and other staff.
Assistance understanding the indemnity clause within your contract.
Good Samaritan cover (Unexpected emergency medicine).

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Why choose MIPS?

As a member-owned not-for-profit organisation, every decision is made with our members in mind. We’re here to protect you and your professional reputation with comprehensive insurance cover. As a MIPS Member you’ll also have access to resources, advice, and support 24 hours a day from medico-legal experts.

Comprehensive Indemnity Cover

Providing you protection for up to $20 million in claims*

*The maximum amount we will pay in the aggregate per annual membership period.

24/7 Medico-Legal Advice

Ability to speak with an experienced professional any time of the day

Education

Access to accredited professional development (CPD) and on-demand learning.

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PROTECTING YOUR PURPOSE in 3 easy steps

1. Get a quote

2. Review your quote

3. Apply to MIPS

MIPS membership ceases at 30 June each year. Other policies typically cease at 30 June or 31 December. Check with your existing provider for cancellation fees. You can pay your membership fee by monthly instalments at no additional cost.

MIPS Members enjoy a 9% discount with Australian Unity for private health insurance*.

Health insurance

You will be directed to Australian Unity's website

Australian Unity Health Limited (Australian Unity) ABN 13 078 722 568 is a registered health insurer. MIPS receives no financial benefit or commission from any health insurance products sold to members.

*9% discount includes all other retail discounts and is only available when paying by direct debit. The discount is not available through brokers or comparators, and excludes Overseas Visitor Cover. Not to be used in conjunction with any other offer or discounts

Insurance cover is subject to the terms, conditions, and exclusions of the policy. The information provided is general advice only and does not consider your personal circumstances or needs. You should review the Member Handbook Combined PDS and FSG and/or contact MIPS on 1800 061 113, before making a decision. Information is current as at the date published.