Cover for specialists

Specialists face the highest risk of any group of medical practitioners. The risks are quite specific as the field of work is specialised, which is why MIPS has over 40 categories for specialists, all with $20M professional indemnity insurance for doctors.

Maintaining your CPD as a specialist can be costly and hard if you are exclusively in private practice. MIPS risk education is accredited by colleges such as the RACGP and counts towards your CPD. You can attend as many workshop or webinars as you like as part of your membership at no additional cost.

We employ the best

Our legal representation for members is handled by expert in-house litigation experts and external legal firms. MIPS appoints legal practitioners that have the appropriate specialist expertise and experience for the jurisdiction and the subject matter. This approach helps ensure better independence in individual member representation and provides improved outcomes.

Indemnity with no hidden sub limits

MIPS provides one simple $20 million total aggregate annual limit for medical indemnity insurance for doctors. Some indemnity providers may apply sub limits for legal costs or defending matters such as a Coroner’s investigation, disciplinary board proceedings or criminal matters.

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.

Specialist membership categories

  • Anaesthesia
  • Cardiothoracic surgery
  • Clinical Genetics
  • Cosmetic proceduralist
  • Dermatology
  • Emergency medicine
  • Gynaecology including IVF
  • Intensive care medicine
  • Neurosurgery
  • Obstetrics and gynaecology
  • Ophthalmology
  • Oral and maxillofacial surgery
  • Orthopaedic surgery
  • Otolaryngology head and neck surgery
  • Paediatric surgery
  • Pathology
  • Physician rehabilitation and occupational
  • Physician non procedural
  • Physician procedural
  • Plastic surgery
  • Psychiatry
  • Radiation oncology
  • Radiology
  • Sport and exercise medicine
  • Urology
  • Vascular surgery

Are you an international practitioner?

In Australia and New Zealand, specialists are sometimes referred to as physicians, whereas in the US and the UK the term physician is sometimes used to refer to any doctor. Professional indemnity insurance is mandatory for all healthcare practitioners practicing in Australia.

Are you working for a hospital?

If you are working exclusively for a hospital as a specialist (ie you are fully employer indemnified) then you can obtain membership with a 100% employer indemnified basis - a lower membership fee commensurate with this risk applies. See hospital doctors

If you are working in a hospital in addition to limited private practice you can obtain membership to cover both your private and employer indemnified work. For example, if you work one day a week in a public hospital and four days a week in your own private rooms.

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