What cover is available to me?
GPs are the beating heart of medical care in Australia and MIPS has thousands of GP members. MIPS offers medical indemnity insurance for doctors that satisfies the mandatory requirement for all medical practitioners in Australia.
GPs have a variety of talents, so we have a variety of different categories to account for GPs who have a speciality in amongst their day to day practice (eg minor cosmetics, anaesthetics, obstetrics). Additionally, because practice between GPs can vary considerably, GPs are divided into procedural and non-procedural so you pay a membership fee commensurate with your risk exposure.
There are three categories for GP members:
- GP non procedural
- GP procedural
- GP procedural including anaesthetics and/or obstetrics
Additionally you can request an endorsement for minor cosmetics or other procedures for which you hold appropriate training and qualifications.
Note: Skin flaps and grafts and shared antenatal care are permitted under GP categories within limits. See the Member Handbook for details.
Practice staff cover
If you are like many practitioners and work in your own private practice, you may be eligible for MIPS’ practice staff cover that is part of membership. This protects you from the acts, errors and omissions of practice staff such as practice managers, receptionists and assistants in relation to the healthcare you provide. Practitioners required to be AHPRA registered are excluded (eg nurses, physiotherapists, doctors, dentists and other allied health professionals).
You do not need to request this cover as it is one of the covers in the Indemnity Insurance Policy that is part of membership.
Example of practice staff cover
A person comes into your general practice without an appointment on a day you are fully booked.
The person advises the receptionist they have recently fallen and have a bad headache. Despite their insistence on an appointment, your receptionist is firm and tells them they cannot see you.
The person returns home and dies that day due to a massive bleed (extra-dural haemorrhage) of their brain. Shortly after, the family makes a demand for compensation against your practice and threaten to take legal action.
In this example, you have not seen the person nor provided healthcare but the practice and receptionist may be liable.
GP indemnity costs
The cost of professional indemnity for doctors with a GP specialist can vary due to the broad nature of their practice. The most significant factors affecting cost are:
- whether any portion of your practice (eg 50%) is employer indemnified, for example half your work is in a public hospital (this would reduce the cost of your indemnity)
- how long you have been in private practice, for example, GPs who have only been in private practice for a year can expect a lower fee than GPs who have been in private practice for 3+ years.
- whether you choose the procedural or non-procedural category (indemnity for procedural GPs costs more as the procedures increase risk)
- additional covers such as minor cosmetics.
Conduct a detailed online health check and access 6 to 10 week nutritional, physical or mental health programs.
Members Only: You must register to gain access
MIPS Members enjoy a 9% discount with Australian Unity for private 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