MIPS Protections

MIPS protections is the unique and invaluable assistance provided to members for non-medical indemnity including claims, that arise from risks connected with the member’s practice of his or her profession in Australia or for student members in relation to their studies that are not otherwise covered by insurance. It is provided in addition the indemnity insurance MIPS provides to members.

Cover under MIPS Protections has previously been extended to provide discretionary assistance to members in the areas of:

  • Employment and training
  • Industrial relations
  • Non-clinical registration board issues.

Indemnity vs MIPS Protections

MIPS Protections is not the same as indemnity insurance. MIPS membership includes both.

The indemnity insurance available that is part of MIPS membership is provided under a 'contract of insurance' and the terms of this are set out in the MIPS Members' Indemnity Insurance Policy in the Members' Insurance Covers Handbook. The indemnity policy only relates to the healthcare you provide. MIPS Protections is added discretionary cover for professional matters connected with the healthcare you provide and is not a contract of insurance.

Examples of MIPS Protections claims

Example one

Diagnosed Parkinson's disease

Member: Peter, GP with 20 years of practice

While Peter has been aware of his condition for some time, he has recently worsened. AHPRA notify him that he should cease work as a health practitioner due to the impairment that the Parkinson’s disease has caused. Peter disagrees and thinks he is still capable of practising safely despite suffering from Parkinson’s disease. He decides to challenge this decision and approaches MIPS to assist him with the costs of legal expenses associated with defending his ability to continue as a registered health practitioner.

The Board of MIPS exercises its discretion to cover Peter for the cost of the legal proceedings (to a maximum amount of $10,000) to defend his registration. A MIPS panel lawyer is appointed by MIPS to represent Peter.

The legal costs for the proceeding are $12,500. As Peter only has cover for up to $10,000, he pays the additional $2,500. He decides to approach MIPS again to see if the Board may exercise further discretion to cover the extra $2,500. The Board would give sympathetic consideration to Peter’s situation.

Example two

Allegation of Inappropriate Conduct

Member: Sam, medical registrar at a public hospital

Whilst on night duty Sam has a lengthy conversation with one of the nursing staff who expresses her condolences regarding the recent passing of Sam's father. They also have a chat about the nurse’s recent holiday in Europe. The next day Sam receives an email from HR requesting a meeting with him and the Director of Medical Services. The email details allegations that whilst he was on duty he had a 3-hour conversation with another staff member and during this time the other staff felt unable to approach him regarding patient issues. Sam contacted MIPS and a medico-legal advisor arranged to accompany him to the HR meeting as a support person. Prior to the meeting Sam and the MIPS advisor (also an experienced practitioner) had a chat regarding the incident and Sam admitted that the conversation had been inappropriately lengthy considering his work commitments. The interview with HR went well with Sam demonstrating insight into his behaviour and the matter did not go any further.

MIPS Protections Plus

MIPS Protections Plus is a membership basis you can choose which applies if you have an alternate indemnity arrangement in place with another provider but wish to retain access to the other benefits of MIPS Membership including:

  • 24/7 Clinico-legal advice and support from experienced practitioners  
  • MIPS Protections discretionary cover for non-healthcare professional and personal matters arising from your clinical activities
  • Accredited professional development education and resources
  • Personal accident and travel extension cover
  • other membership benefits

This membership classification basis will not provide indemnity cover for civil claims and you cannot make a claim through the MIPS Members’ Indemnity, MIPS Members' Practice Entity or the Cyber, Privacy and Media policies.