Hospital doctors | MIPS Indemnity Insurance

Hospital Employed Doctors

Why do I need cover?

Medical indemnity insurance for doctors is a mandatory requirement for all medical practitioners in Australia. 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 Medico-Legal Support from experienced practitioners
  • MIPS' professional indemnity for doctors provides cover for up to $20 million with no sub-limits
  • MIPS Assist (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
  • Cover for private practice outside of your hospital (if you choose a category with limited private practice)
  • Good Samaritan cover
  • Cover for gratuitous work outside Australia

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

Undertaking private practice or locum work?

You can amend your membership to cover any private practice you may do in addition to your main role as a hospital employed doctor. To update your practice details complete a Membership classification update. Either the registrar or recent graduate basis may be appropriate.

Registrar and recent graduate basis

Both the registrar and recent graduate basis can extend to non-employer indemnified (private) practice up to $100,000 gross billings within the membership period, as long as that practice is commensurate with your training, qualifications and experience with appropriate supervision arrangements in place (if applicable) and the services are covered your category (eg Medical officer, General Surgery). This is designed to protect and assist you for any private practice you undertake in addition to your training program or main job, such as surgical assisting or after-hours deputising services.

If you have commenced an accredited training program you can either apply for membership or update your membership classification with MIPS in the discipline of your program (eg Surgery, GP, Physician) and your membership basis will be 'Registrar'. See the Member Handbook practice basis section for Registrar eligibility requirements.

Neither the registrar and recent graduate basis are eligible for the ‘Minor cosmetic extension’ endorsement.


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 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