Hospital doctors

Adverse or unexpected events can affect any doctor, including those working in hospitals.


What is medical indemnity?

Medical indemnity insurance is a mandatory requirement for all medical practitioners in Australia. It provides cover for the acts, errors and omissions from the provision of healthcare. 

MIPS Membership provides cover up to $20M for legal defence costs and damages of civil claims (ie when you are sued), complaints or investigations as a result of an adverse outcome following the healthcare you provided.

Tailor-made insurance that protects your reputation

MIPS offers tailor made insurance. The fee structure is based on several factors, including the healthcare you provide, your location, history of practice and the level of private practice you undertake. 

For doctors that have recently graduated, are awaiting to commence or have commenced an accredited registrar training program, MIPS membership fees are either waived or subsidised to help support doctors in training. This includes cover for private practice up to $100,000 gross billings/salary within the membership period to support you doing any private practice during your training. Conditions apply. See Practice basis Registrar and Recent Graduate.

MIPS charges a low fee to cover doctors who continue to work in the public hospital system. Cover can be extended to include private practice as needed.

Where your hospital may not be able to offer you cover

Many medical practitioners may be covered by their employer (eg public hospital), however there may be instances where your employer is unable to cover or assist you. 

MIPS membership includes independent, confidential advice, support and protection and indemnity cover in the instances where your hospital cannot eg. Good Samaritan cover.

Event or situation Employer provided indemnity Your own indemnity, advice and support
Indemnity for the healthcare you provide as part of your role as an employee of a public hospital

Private locum placements or after-hours GP deputising services
Telehealth for a private clinic
Surgical assisting at a private hospital
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 eg ‘Is there a Doctor on board?’

Membership benefits
Comprehensive indemnity insurance - No indemnity sub limits
Cover up to $20m for claims arising out of the provision of healthcare to your patients. This amount covers all civil liability and defence costs with no sub limits.

Accredited professional development (CPD)

MIPS has an extensive ‘member only’ library of on-demand learning to advise on every aspect of professional hospital life, including webinars, podcasts and other online resources.

24hr Medico-Legal Advice and Support

You will have access to expert advice from experienced medico-legal and regulatory advisers. They offer an independent opinion to assist you with navigating through your professional indemnity challenges.

MIPS Assist

Tailored specifically to MIPS members, MIPS Assist is our added discretionary benefit that can provide assistance for incidents arising from your clinical activities that may not otherwise be covered by insurance arrangements. The type of issues you may be covered for under MIPS Assist include:

  • breach of employment contracts
  • college disputes where you have been the victim of a lack of due process, procedural fairness or discrimination
  • workplace discrimination, bullying or harassment (in regards to both false accusations and if you have been a victim of). 

Professional misconduct case study

Nursing staff at a hospital complained that a hospital doctor had recorded a clinical examination in patient notes that they had not performed. The allegation was reported to the Australian Health Practitioner Regulation Agency (AHPRA) two years later. The doctor denied all allegations but was still investigated by AHPRA. A charge of professional misconduct was made.

The doctor had contacted MIPS in a timely manner and was provided legal assistance to finalise submissions to the hospital and AHPRA. The matter was successfully defended. AHPRA determined no findings of misconduct. The defence cost paid by MIPS totalled over $40,000.

Patient complaint case study

A psychiatric registrar consultation with a patient in an ED, led to a complaint to AHPRA made by a community legal service. The complaint alleged mismanagement, that the patient had been held against his will and inappropriate examinations and medication. AHPRA investigated. The registrar’s hospital would not and could not assist with this. The member contacted MIPS and was provided support and assistance to respond.

It was found that the patient was a regular visitor to the ED, often seeking treatment for spurious conditions, as well as shelter and food. MIPS was able to bring this to the Board’s attention and the Board determined that, at all times the patient had been treated fairly and appropriately and good patient records were kept. No action was taken against the member.

Make an informed choice. Apply for a 'no obligation' quote

The information on this page is a summary and of a general nature and it does not constitute legal, health or professional advice. You should seek your own professional advice before relying on it. It does not take into account your healthcare practice or needs. You should consider the appropriateness of the information and read the Member Handbook Combined PDS and FSG before making a decision on whether to join MIPS.

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.

Request a quote

Risk education

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

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