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.

If you are like many GPs and work in a small private practice your cover also includes practice staff cover (eg practice managers, receptionists and assistants) in relation to your healthcare practice.

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.

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.


Risk education

Complete on-demand CPD with 1-2hr online modules, 1 hour webinars or workshops in Spring and Autumn each year.

Currently, all of MIPS’ risk education workshops, webinars and online units that are suitable for medical practitioners that are accredited by the RACGP under category 2 in the RACGP’s QI & CPD program.

Conduct a detailed online health check and access 6 to 10 week nutritional, physical or mental health programs. 

 My Wellness

Members Only: You must register to gain access

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

Australian Unity

  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