International practitioners

Pre-Ahpra registration

MIPS Medical indemnity insurance provides protection and support for doctors, dentists, nuclear medicine technologists and other healthcare practitioners working in Australia.

As a healthcare practitioner, you are required by Australian law to have Civil liability insurance arrangements in place. While practising in Australia, your MIPS Membership covers you for acts, errors, or omissions you make while providing healthcare.

MIPS is your partner through uncertainty while working in Australia, whether you’re a healthcare practitioner or student, here for a short term or permanent stay, or undertaking supervised observerships.

Why choose MIPS?

As a member-owned not-for-profit organisation, every decision is made with our members in mind. We’re here to protect you and your professional reputation with comprehensive insurance cover. As a MIPS Member you’ll also have access to resources, advice, and support 24 hours a day from medico-legal experts.

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Comprehensive Indemnity Cover

Providing you protection for up to $20 million in claims*

*The maximum amount we will pay in the aggregate per annual membership period.

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24/7 Medico-Legal Advice

Ability to speak with an experienced professional any time of the day

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Access to accredited professional development (CPD) and on-demand learning.

Your circumstances

I am looking to practise healthcare in Australia

If you’re qualified to practice healthcare in another country, before commencing healthcare practice in Australia you must register with the Australian Health Practitioners Regulation Agency (Ahpra). Whilst you’re waiting for your Ahpra registration you can apply for MIPS Membership.

Apply now

I am Ahpra registered and ready to practise in Australia

If you have already received your Ahpra registration, it’s important to ensure your medical indemnity insurance is in place before commencing practise in Australia. A MIPS Membership provides professional career protection and helps you navigate the opportunities and challenges of practising in Australia.

Apply now

I am looking to undertake an observership or placement in Australia

It’s recommended that you take out medical indemnity cover to protect you for claims, complaints or employment matters that may not be covered by your host organisation. A MIPS Membership will offer you protection against the key areas that may arise during your stay. Our cover fee is waived as part of our support for professionals entering or learning healthcare in Australia.

Apply now

I am an international student or graduate in Australia

MIPS is dedicated to supporting young professionals, and our cover for students is fee waived to assist you as you enter the industry. More information about your requirements for medical indemnity insurance and what MIPS can offer you is available on our students page.

Visit students page

What are international practitioners covered for?

Area of Cover Clause/s Sub-limit*
Civil liability
Adverse clinical outcomes 4 No sub-limit
Breach of privacy 5 No sub-limit
Reporting others 8 No sub-limit
Clinical trials and research projects 9 No sub-limit
Professional and disciplinary matters
Regulatory processes 11 No sub-limit
Coronial and other public inquiries 12 No sub-limit
Criminal matters 13 $500,000
Removal from proceedings 16 No sub-limit
Mandatory reporting 18 No sub-limit
Employment, training and university disputes
Workplace bullying or harassment 20 $100,000 combined sub-limit
Training program, professional association and university disputes 21
Pursuit matters
Pursuit of indemnity 23 No sub-limit
Personal safety pursuit 24 $100,000
Pursuing an objection to a subpoena 25 No sub-limit
Additional cover
Contagious disease 28 $25,000
* Sub-limits apply per Claim and in the aggregate for all Claims notified to Us in the Policy Period for each clause or group of clauses under an area of cover. The sub-limits shall be part of and not in addition to the maximum sum insured under this Policy. Where an alternative sub-limit or excess is noted on Your Member Benefit Statement, it is that sub-limit and excess that applies to Your cover under this Policy.   
^The excess of $20,000 reduces the amount payable by MIPS under the sub-limit from $150,000 to $130,000.

**Not covered for international practitioners

  • Telehealth consultations
  • Supervising others
  • Medical retrievals and repatriation
  • Medicare investigations and audits
  • Other billing investigations and audits
  • Statutory breaches
  • Employment contracts and credentialling disputes
  • Defamation pursuit
  • Removal of restrictions on registration
  • Practice entity and staff

Cover for students

MIPS Membership for students covers the same areas as noted above for international practitioners, with the exception of clinical trials and research projects, which are only covered when your assistance or involvement in research is a requirement of your university course or qualification. For full terms and conditions, see the Member Handbook.

To cover you, we also require that you be appropriately supervised by a suitably qualified healthcare practitioner, and provided with adequate access to communication, oversight, interaction, direction and support from your supervisor throughout the provision of healthcare.

Apply now

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

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  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

Insurance cover is subject to the terms, conditions, and exclusions of the policy. The information provided is general advice only and does not consider your personal circumstances or needs. You should review the Member Handbook Combined PDS and FSG and/or contact MIPS on 1800 061 113, before making a decision. Information is current as at the date published.

What is professional indemnity insurance?

MIPS' indemnity insurance policy provides cover for acts, errors or omissions you make in providing healthcare. This means that should there be a complaint, claim, investigation or legal action made against you, then you can notify MIPS. This includes being sued (ie litigation). The legal defence costs and any further costs such as damages you are required to pay due to a settlement or court order are paid by MIPS provided they fall within the scope of the policy.

More information