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 Clinico-Legal Support from experienced practitioners
  • MIPS' professional indemnity for doctors provides cover for up to $20 million with no sub-limits
  • MIPS Protections (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?

If you have commenced a registrar training program you may be eligible for membership with a basis of 'Registrar'. Registrar basis is suitable if you are undertaking an accredited or non-accredited registrar position.

This basis extends to additional non-employer indemnified (private) practice outside of your training program or registrar position, covered under your category, as long as that practice does not constitute more than 50% of your hours worked per week (annualised) and is commensurate with your training, qualifications and experience with appropriate supervision arrangements in place (if applicable). 


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 clinico-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