Waived membership for students and international students

If you’re studying medicine, dentistry, oral health, or nuclear medicine technology, join a supportive network that reinforces your confidence and supports your well-being.

MIPS Membership includes professional medical indemnity insurance to cover you while undertaking student placements and similar healthcare activities. Plus, we provide 24/7 medico-legal advice and support, and educational resources to help you manage risk and develop your career.

Apply now

Why do students need professional medical indemnity insurance?

As a healthcare student, you may require medical indemnity insurance to cover you in case a complaint, claim, investigation, or legal action is made against you while providing healthcare.

Healthcare practitioners are required by Australian law to have Civil Liability insurance to provide cover for acts, errors or omissions that might be made.

Based on criteria set out in the Member Handbook, MIPS membership provides indemnity cover for healthcare students doing clinical placements and healthcare activities such as:

  • electives
  • observerships
  • scholarships
  • exchange programs.

This includes students undertaking tasks 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.

Students and international students benefit from free MIPS Membership. It should take less than two minutes to complete the form – so apply now.

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.

What are students covered for?

If you’re a student, your MIPS Membership may be under the Healthcare Student category. This category provides cover for student healthcare placements (including electives) where the placement is undertaken with the approval of and as a requirement for, a university at which you are studying to obtain a qualification that will lead to registration as a health practitioner.

If you attend an education provider in Australia, cover is extended to student healthcare placements outside of Australia (excluding the USA and where USA laws apply). If you are unsure if your student healthcare activities are covered, visit

To cover you, we 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.

Civil Liability

  • Adverse clinical outcomes (no sub-limit)
  • Breach of privacy (no sub-limit)
  • Reporting others (no sub-limit)
  • Clinical trials and research projects (no sub-limit) - only covered when your assistance or involvement in research is a requirement of your university course or qualification.

Professional and Disciplinary Matters

  • Regulatory processes (no sub-limit)
  • Coronial and other public inquiries (no sub-limit)
  • Criminal matters ($500,000 sub-limit)
  • Removal from proceedings (no sub-limit)
  • Mandatory reporting (no sub-limit)

Employment, Training and University Disputes

  • Workplace bullying or harassment
  • Training program, professional association and university disputes
  • ($100,000 combined sub-limit)

Pursuit Matters

  • Pursuit of indemnity (no sub-limit)
  • Personal safety pursuit ($100,000 sub-limit)
  • Pursuing an objection to a subpoena (no sub-limit)

Additional Covers

  • Contagious disease ($25,000 sub-limit)

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.