Students
Students studying medicine, dentistry, oral health or other healthcare disciplines such as nuclear medicine technology may apply for MIPS membership. International students in Australia may also be eligible to apply.
Student membership is free
It's simple - apply online now. It takes 1-2 minutes to complete the form and membership is free for students. The key membership benefit is indemnity insurance, so you have insurance cover for any healthcare services you provide as a student such as:
- taking a history or performing the physical examination of a patient
- writing a patient management plan
- administration and principles in admitting and discharging patients
- ordering and interpreting investigations
- communicating with patients, relatives and staff
Student placements and healthcare activities
MIPS membership provides indemnity cover for healthcare students doing clinical placements and healthcare activities such as:
- electives
- observerships
- scholarships
- exchange programs
This applies to:
- Australian university students undertaking placements or healthcare activities as a student in or outside Australia (excluding the USA or where US law applies); or
- International university students undertaking placements or healthcare activities as a student in Australia.
There is no need to notify us, cover is automatically provided for members if the activities undertaken are commensurate with the level of education, training and experience for a healthcare student and you are:
- appropriately supervised by a registered healthcare practitioner (which includes direct or indirect supervision that provides adequate access to communication, oversight, interaction, direction and support throughout the activity)
- not being remunerated for the healthcare activities undertaken
- not undertaking volunteer activities (eg St Johns, charity groups etc).
If your placement or activity does not meet the criteria above please submit a Student Placements, Healthcare Activities & Travel Cover form for individual assessment and approval.
Free travel cover
Subject to meeting the eligibility criteria, Australian student members undertaking a placement outside of Australia are eligible for travel cover for their trip. Apply for Travel Cover.
Other benefits
- MIPS Protections for non-healthcare indemnity matters (for example we've helped students with complaints made against them by their university, disputes with their university and complaints from a hospital where they've done rounds)
- Communicable diseases cover (ie if you contract AIDS, HIV, Hepatitis B, Hepatitis C)
- Comprehensive indemnity cover up to $20 million with no sub-limits
- 24-hour Clinico-Legal Support (this service is available to all members at no additional cost).
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Graduating soon?
If you expect to graduate in the next 12 months you can apply ahead of time to upgrade your membership to recent graduate basis. Currently, if you apply as a recent graduate (eg final year student), you will receive free membership from the day you complete your studies to 30 June. You can apply any time in your final year.
What is professional indemnity insurance?
MIPS' indemnity insurance policy provides cover for any 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
We cover your international electives
Each year MIPS provides indemnity cover to students doing electives locally as well as outside of Australia.
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