Comprehensive cover
Our indemnity insurance policy supports where, how, and what you practise.
Our cover of up to $20 million for claims against you exceeds Ahpra requirements, providing cover for claims arising from your provision of healthcare including:
- civil liability claims, such as when you are sued and require legal representation to defend yourself and/or are required to pay compensation
- legal costs of defence and representation for investigations, proceedings, and other types of disputes
- legal costs for certain types of employment and pursuit matters.
We understand that insurance can seem complex, that’s why we’re committed to helping and supporting you when you need it the most. We’ve simplified our Product Disclosure Statement (see the Member Handbook) and updated our insurance coverage to better reflect the changing needs of our members. The new categories and procedures we’ve incorporated reflect current healthcare practices.
See the table below for a snapshot of where and what you may be covered for under our policy.
|
Area of Cover
|
Clause/s
|
Sub-limit*
|
|
Civil Liability
|
|
Adverse clinical outcomes
|
4
|
No sub-limit
|
|
Breach of privacy
|
5
|
No sub-limit
|
|
Telehealth consultations
|
6
|
No sub-limit
|
|
Supervising others
|
7
|
No sub-limit
|
|
Reporting others
|
8
|
No sub-limit
|
|
Clinical trials and research projects
|
9
|
No sub-limit
|
|
Medical retrievals and repatriation
|
10
|
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
|
|
Medicare investigations and audits
|
14
|
No sub-limit
|
|
Other billing investigations and audits
|
15
|
No sub-limit
|
|
Removal from proceedings
|
16
|
No sub-limit
|
|
Statutory breaches
|
17
|
No sub-limit
|
|
Mandatory reporting
|
18
|
No sub-limit
|
|
Employment, Training and University Disputes
|
|
Employment contracts and credentialling disputes
|
19
|
$100,000 combined sub-limit
|
|
Workplace bullying or harassment
|
20
|
|
Training program, professional association and university disputes
|
21
|
|
Pursuit Matters
|
|
Defamation pursuit
|
22
|
$150,000
($20,000 excess)
|
|
Pursuit of indemnity
|
23
|
No sublimit
|
|
Personal safety pursuit
|
24
|
$100,000
|
|
Pursuing an objection to a subpoena
|
25
|
No sub-limit
|
|
Removal of restrictions on registration
|
26
|
No sub-limit
|
|
Additional Covers
|
|
Practice entity and staff
|
27
|
No sub-limit
|
|
Contagious disease
|
28
|
$25,000
|
|
Cover for Students
|
|
Student Members
|
29
|
As above
|
*Sub-limits apply per Claim and in the aggregate for all Claims notified to Us in the Period of Insurance 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.
*You should read the Member Handbook Combined Product Disclosure Statement and Financial Services Guide for all the terms, conditions, limits, and exclusions of the cover we are offering as part of your MIPS Membership and consider if this product will meet your needs.