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What are MIPS member benefits?

MIPS provides members with a number of benefits, including 

  • MIPS Members’ Medical Indemnity Insurance policy;
  • MIPS Protections for non-medical indemnity matters;
  • Independent and confidential clinico-legal advice from experienced practitioners, 24 hours a day, 7 days a week;
  • MIPS Members’ Practice Entity policy;
  • MIPS Members’ Group Personal Accident policy;
  • Risk management workshops and online risk management modules and Medico-legal seminars;
  • Cover for providing gratuitous health care services as a volunteer in third world countries or escort for sporting or cultural groups (except USA or where the US laws apply); and
  • Cover for students undertaking supervised elective placements in Australia or Overseas (except USA or where the US laws apply).

Further details of other benefits

Why do I need cover under an insurance policy?

From 1 July 2003, the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 requires that indemnity for incidents arising from the provision of health care to a person in Australia and its Territories must be provided under a contract of insurance. The Australian Health Practitioners Regulation Authority (AHPRA) requires health care practitioners to provide annual evidence of adequate indemnity insurance as a condition of registration.

Do the benefits of membership include professional indemnity insurance cover?

Yes. MIPS membership benefits include insurance cover under the MIPS Members’ Medical Indemnity Insurance policy. This policy has been specifically developed and tailored to meet the professional indemnity insurance needs of health care professionals and health care students.

Does membership meet AHPRA professional indemnity requirements?

Yes. MIPS is a listed as an approved insurer by the Medical Board of Australia. MIPS membership also satisfies the professional indemnity registration standards outlined by the Dental Board and Medical Radiation Practice Board of Australia.

What is MIPS Protections?

MIPS Protections allow members to request assistance for non-medical indemnity matters, 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. MIPS will consider the member’s claim for protection in accordance with the MIPS Constitution and the law. Matters where the MIPS Board has agreed to provide this discretionary assistance have included the areas of employment, training, industrial relations and non-clinical registration board issues.

I am an employer indemnified practitioner, what benefits do I receive?

MIPS provides cover and assistance for matters not covered by your employer, which may include assistance with appearances at Coroner’s enquiries, medical board tribunals or complaints to State and hospital bodies. MIPS may also assist you in the event of a dispute between your employer and you. Membership with an employer indemnified basis will not provide indemnity for civil claims arising from salaried work; however, in the unlikely event that your employer refuses to indemnify you, you may seek assistance from MIPS to work with your employer to ensure their obligation to you is met.

What is my duty of disclosure?

You have a duty at law to disclose to MIPS anything that you know, or could reasonably be expected to know, that is relevant to our decision to accept you into membership and an insurers decision to insure you and if so, on what terms and conditions. This duty applies to your initial application for membership and at each subsequent renewal application. Examples include disclosure of previous claims history or previously unreported incidents, circumstances from your health care activities that could lead to a complaint, claim, and legal action or AHPRA Board investigation.

What will happen if I fail in my duty of disclosure?

MIPS may reduce or refuse its liability and assistance to you under the membership benefits or in accordance with MIPS Constitution. MIPS may also cancel your membership and/or decline future membership renewal applications. If your non-disclosure is fraudulent, your cover under the membership benefits may be void from the beginning.

How is my membership fee calculated?

MIPS uses a blended approach when calculating membership fees to reflect the contribution required to appropriately cover your risk arising from both current and past practice.

The membership fee is individually calculated based on your membership classification, including location, for your current and past practice. The fee for retroactive cover is calculated on your previous practice in Australia for up to three previous membership periods.

The location and classification of your practice in the previous four years is used to assess the level of risk of your practice and affects your membership fee. Members who remain in the same classification and location reach a ‘mature membership fee’ in four years.

If you are moving from a low risk classification to a high risk classification (eg commencing private practice), you can expect to see a stepped increase in your membership fee until you reach the mature membership fee. When you move from a high risk classification to a low risk classification you can expect to see a stepped decrease in your membership fee until you reach the mature membership fee. A variety of factors are taken in consideration in addition to this. See the ‘Category selection guide’ in the Membership Benefits Handbook for detail about how we assess your practice.

Why do MIPS use a 'blending' approach when calculating membership fees?

We believe that our blended risk pricing approach balances equity and fairness for individual members and that of the membership as a whole. Using a blending approach ensures that the membership fee reflects the risk profile of each member. For example, the membership fee impact for members who move to a higher risk membership classification is blended over a number of years to reflect the change in claims likely to be reported. That means members are not being asked by MIPS to subsidise the mature risk exposure of other established members in the higher risk classification that they have moved to.

Why has my membership fee changed?

The membership fee reflects the contribution required to appropriately fund the risk arising from a member’s past and current membership categories and practice location. Any variations in practice history for the prior three membership periods will have an effect on the membership fee for the current membership period. Changes in actuarial assessment, inflation, claim and administrative costs, investment returns and many other factors all also impact on the membership fee.

Consistent with MIPS blending approach, for members that join MIPS with no previous practice history or who do not require retroactive cover, the membership fee will increase each year, to reflect the contribution required to appropriately fund the risk for each members past and current membership categories and practice location (currently four years). MIPS does not believe that charging the full membership fee in the initial membership period reflects a fair and equitable approach to practitioners commencing their profession.

What is the Premium Support Scheme? (medical practitioners only)

The Premium Support Scheme (PSS) is an Australian Government initiative that helps eligible doctors with the costs of their gross indemnity costs that include medical indemnity insurance costs. MIPS administers the scheme on behalf of Medicare Australia. Eligible doctors who receive a PSS subsidy see it as a reduction of their MIPS membership fee.  Eligibility for the PSS includes:

  • medical practitioners whose gross medical indemnity costs exceed 7.5% of estimated gross income private billings; or
  • procedural general practitioners in a rural area (RRMAs 3-7); or
  • former MISS participants (previously applied for and deemed eligible); or
  • medical practitioners practicing in the public sector only and their membership fee includes run-off cover for previous private practice.

Further information regarding the PSS is available from the Department of Health and Ageing website www.health.gov.au.

Can membership benefits be issued under my company name?

No, the benefits of membership including insurance covers are only available to MIPS members. Documentation can only be issued in the name of the MIPS member.

How can an organisation or an individual query my membership details?

Delegation of Authority form must be completed to authorise a nominated person or organisation to contact us on your behalf in relation to membership.

How can I obtain a Certificate of Currency (confirmation of membership)?

Members can download a certificate at any time from the members’ only section by logging in to My Membership area.  Members can also contact Member Services.

Can I suspend my MIPS membership?

Medical Indemnity insurance in Australia, including cover under the MIPS Members’ Medical Indemnity Insurance policy, is offered on a claims made basis. This means, all membership benefits including covers of insurance for any past unreported incidents will not continue when your membership ceases. If you have ceased practice (temporarily or permanently) you will need to maintain an appropriate MIPS membership classification or obtain run-off cover to ensure that you remain covered for your prior practice.

If I wish to resign my MIPS membership do I get a refund?

Members may resign at any time during a membership year, by providing notice in writing. As Medical Indemnity insurance in Australia is offered on a claims made basis, you will then no longer be covered by MIPS for any newly reported incidents for any past practice. To ensure that you do remain covered, you will be required to obtain appropriate run off cover for your past practice.

If membership is cancelled after 30 days from the date of inception or renewal of membership, MIPS will refund that part of the membership fee you paid that represents the unexpired period of your membership, less an administration fee of 20% subject to a $50 minimum charge. If you pay your membership by monthly instalments, you must pay any outstanding amount (including the administration fee) when the cancellation becomes effective.

Example of cancellation

Lee’s membership fee is $1,000 pa. 

Half-way through the year, he cancels his membership. The prorated value of the membership period remaining is $500. 

Lee’s cancellation fee will be $100 (ie 20% x $500).

Upon cancellation, Lee’s refund will be $400.

What types of claims are covered?

Membership benefits include medical indemnity insurance cover for claims that arise from incidents occurring in the course of, or in connection with, the provision of health care. Cover extends to the costs of investigating and defending claims and being represented at administrative or investigative tribunals or disciplinary proceedings such as a Medical or Dental Board enquiry, Health Complaints Commission review or a Coroner’s hearing in accordance with the policy’s terms and conditions.

What is the definition of health care?

Health care is any care, treatment, advice, service or goods provided in respect of the physical or mental health of a person, and any examination, report or opinion prepared by you but not for the purpose of treatment, which has been requested by a third party such as a lawyer, insurer or statutory authority.

What is the limit of my medical indemnity cover?

The total available insurance limit for each member under the Indemnity Insurance Policy is $20 million. For those members who require an automatic reinstatement to comply with AHPRA indemnity requirements of registration, the insurance cover provided will be shown on your Member Benefit Statement as a $10 million limit plus an automatic reinstatement of that amount.

Will I have to pay an excess?

Most members have a zero excess. If an excess is applicable the amount will be set out in your Member Benefit Statement. You will be informed of the amount in advance of receiving your invitation to apply for renewal of membership.

My existing practice entity policy imposes an excess. Can MIPS assist?

Benefits of membership will cover a non-MIPS practice entity insurance policy excess that is payable in relation to a claim made during the period of membership that protects a practice entity in which you have a direct financial interest. The maximum that we will pay is $10,000 for any one claim, $30,000 in the aggregate for all claims and for no more than three claims during the membership year.

What is claims made cover?

Medical indemnity insurance in Australia, including cover under the MIPS Members’ Medical Indemnity Insurance policy, is offered on a claims made basis. Claims made means that cover will be provided if the member is current:

  • at the time the event is notified to MIPS;  and
  • where the relevant event occurred on or after the retroactive cover date, but excludes any known or previously reported events.  

MIPS benefits including covers of insurance will cease, regardless of the date of incident, when your membership is cancelled or expires.

What is retroactive cover?

Retroactive cover allows you to nominate a retroactive cover date to cover claims that might arise from health care services provided by you in previous years, of which you are currently unaware. If you do not nominate retroactive cover when you join MIPS you will not be provided indemnity by MIPS for any incidents that may arise from health care services provided by you prior to your membership start date.
MIPS may choose not to accept a membership application where a retroactive cover date prior to 01/07/2000 is required.

Example of cover

This diagram illustrates a claim under both claims incurred and claims made. MIPS indemnity cover is claims made.

ClaimsMadeIncurredeDiagram.jpg

  • If the policies were claims-made then the incident would be covered by Insurer B because the incident was first notified in period 2 and occurred after the retroactive date. This is how MIPS' cover works.
  • If the policies were claims incurred then the incident would be covered by Insurer A because the incident occurred within the period covered by Insurer A.

What is run off cover?

The potential for claims to arise from your previous practice may exist for many years after you cease practice. To remain covered for those emerging incidents an appropriate membership category which provides run-off cover is required.

Am I covered for voluntary work in Australia?

Members with a membership basis of registrar, gross private billings/salary, hours per week (dental only), non-operating surgeon, prescribing/referral only or surgical assisting only are covered for volunteer work whilst in Australia. There is an expectation that at all times members have the appropriate training, qualifications, experience and membership category for the voluntary health services they provide.

Am I covered for Good Samaritan acts?

Good Samaritan acts are covered in all countries except USA or countries where US law applies. The following outlines basic principles that will be considered in determining whether an event is of a “Good Samaritan” type:

  • there should be no expectation that the member is available or would be available to provide health services; and
  • the Good Samaritan act is provided in a voluntary manner; and
  • any such assistance is in relation to unexpected and unanticipated events.

This cover is applicable to members in run-off membership categories.

Does membership cover me for practice nurses, student or trainee placements?

Cover for supervision, training and mentoring is provided in accordance with clause 12.1.5 of the MIPS Members’ Medical Indemnity Insurance policy. MIPS will not indemnify you under the policy for any claim for or arising out of or in connection with the provision of health care by registrars, attachments, placements or trainees unless they were acting:

  • Under your appropriate and adequate direct supervision; and
  • Reasonably within the terms of their placement and protocols of the practice.

There is a requirement that at all times members have the appropriate recognised qualifications, training and experience for the health services they provide or supervise. 

Can I be prevented from performing particular treatments or clinical practices?

You may be required by MIPS to cease certain treatments if MIPS considers the risks of that treatment unreasonable, the treatment is not endorsed by AHPRA or a specialist college, or your employer does not endorse it. See clauses 6.1 and 6.2 of the MIPS Members Indemnity Insurance Policy in the Members Insurance Covers Handbook for details. MIPS will give you 14 days’ notice asking you to stop providing or carrying out the treatment, procedure or practice. You must cease providing or carrying out the treatment when that notice takes effect.

What happens if there is a change in my AHPRA registration?

You are required to notify MIPS in writing of any current or new conditions imposed on your provision of health care by registration bodies or your employer (or as a student your educational institution), registration body or clinical institution, when this occurs. If you do not inform us of this change it may prejudice your membership rights including cover under the MIPS Member’s Medical Indemnity Insurance policy, or the amount of assistance that will be provided.

It is a requirement for membership and insurance cover that any and all registration board conditions and requirements are met.

Am I covered for undertaking clinical trials?

MIPS provides cover for clinical trials subject to normal requirements of peer review, guidelines and approval of a recognised ethics committee. If you already have employer indemnity for the clinical trial you do not need to contact MIPS for confirmation of cover, however, if you are not employer indemnified for the trial/s you are required to complete a Clinical Trial Notification form for consideration and approval.

Am I automatically covered for providing tele-heath consultations?

Cover for telephone or video conferencing is not excluded under the MIPS Members’ Medical Indemnity Insurance policy, however, if you are an employee but your employer will not indemnify you for tele-health consultations you must obtain MIPS prior approval. Without approval, your medical indemnity insurance cover and other membership benefits may not extend to online or tele-health consultations. Prior to undertaking these activities you must submit all details to Member Services for approval before confirmation of cover is provided.

Members should be aware, and familiar with, the following factors when considering participating in tele-health services:

General requirements

  • members have the appropriate recognised qualifications, training and experience for the health services they provide.

Guidelines and standards

Physical examination

As outlined in section 2 of Guidelines on Technology-based patient consultations from the Medical Board of Australia, practitioners should “Make a judgement about the appropriateness of a technology-based patient consultation and in particular, whether a direct physical examination is necessary”. 

MIPS emphasises that in respect of tele-health consultations within a craft group where physical examination is an important and usual  element of a consultation that to ensure timely and accurate diagnosis and treatment, it is an expectation of MIPS (and in respect of best practice) that as well as the patient being ‘seen’ via a teleconference with their GP in attendance that the member (or alternate but equally qualified and experienced practitioner) will also see the patient in person at either the initial consultation (with tele-health then being used for interval management) or at the earliest opportunity commensurate with the clinical issue.

Specific queries in relation to tele-health can be directed to the Membership Committee at info@mips.com.au.

Do you provide cover for activities such as teaching, writing medical articles and other professional work?

The MIPS Members’ Indemnity Insurance policy applies to healthcare so does not cover these types of activities. However, you can claim under MIPS Protections which is a discretionary cover for non-medical indemnity matters related to a member’s professional activities not otherwise covered by insurance.

Do I need indemnity cover if I work as a hospital doctor?

Under National Law it is a requirement that all healthcare practitioners have indemnity insurance cover. In a public hospital, your employer will generally provide this. In private hospitals, you may be required to organise this independently through an indemnity provider such as MIPS.

All medical indemnity insurers in Australia specifically exclude cover where indemnity is provided by employers, for example a public patient in a public hospital.

It is prudent for you to take out additional independent cover to ensure you are covered in instances where the hospital indemnity cover is not adequate to cover you. For example, in situations where the Coroner’s Court is involved, MIPS will provide legal representation or guidance to its members.

Does MIPS provide tail cover/retroactive cover?

Some indemnity providers may refer to retroactive cover as ‘tail cover’. This refers to any liability issues arising from healthcare services provided in your past practice. You can set your MIPS retroactive cover date as far back to when you first commenced your healthcare studies or practice in Australia.

Your MIPS membership fee is calculated by taking into consideration a variety of factors over the previous three membership (fiscal) periods and the forthcoming year, so only ever four years in total. This means you can have a retroactive cover date of five, 10, 15, or more years prior without the cost of your membership being affected any more than if you had requested three years.

This is MIPS’ approach to simplify pricing and better protect healthcare practitioners and the public they treat. It is important to note that in Australia your retroactive cover cannot precede 1 July 2000 as before then all indemnity insurance was provided on a claims-incurred rather than claims-made basis. See a further explanation of retroactive-cover.

Will MIPS assist me if I am subject to a tax audit by the ATO?

Discretionary assistance may be provided under MIPS Protections. The MIPS Members’ Indemnity Insurance policy does not extend to cover tax audits. You can make a claim for MIPS Protections in the same way as any other notification to MIPS.

Can MIPS cover me for loss of documents/privacy breach fines and penalties?

Under the MIPS’ Cyber, privacy and media policy you can receive cover. This cover is available at no additional cost to eligible members and you can apply online, however, The MIPS Members’ Indemnity Insurance Policy does not provide this type of cover. The Cyber provides compensation for financial losses such as if systems are damaged by viruses or any sums you are ordered to pay as a result of a security breach (eg stolen credit card information). MIPS members must apply for Practice entity and cyber cover once they have acquired MIPS membership. This policy cover is provided at no additional cost on approval for eligible practice entities.

Can I receive compensation if I acquire a communicable disease from a needle stick injury?

MIPS’ student and recent graduate members are provided communicable disease cover under the MIPS Members’ Personal Accident Policy. This relates to needle stick injuries or any other way you acquire the disease provided it was acquired undertaking an authorised healthcare activity in Australia or overseas. This is a lump-sum benefit of $25,000 payable if you contract AIDS, HIV, Hepatitis B or Hepatitis C.

Does MIPS cover include telehealth?

Yes, MIPS’ Members’ Indemnity Insurance Policy includes telehealth as per any other provision of healthcare, but it is very important to understand, if you provide telehealth, that under Australian law, it’s where the patient resides that the healthcare is deemed to be provided. This means that if you are treating patients in New Zealand for example, via telehealth, your Australian indemnity will not cover you. This article on potential exposure to complaints has more detail. You can also make an Application for Cover for Healthcare Services Outside of Australia.

Does indemnity cover mean that MIPS pays the damages and the legal costs?

Yes, where a claim is accepted, the MIPS Members’ Indemnity Insurance Policy and the Practice Entity Insurance Policy include cover for up to $20million for legal representation. This covers the cost for legal defence as well as representation during an investigation. It will also cover the cost of any damages that you are ordered to pay. MIPS’ cover is comprehensive and this doesn’t just refer to Australian courts, it also covers administrative or disciplinary proceedings, (including investigations by AHPRA, NSW HCCC and state and territory drugs and poisons authorities).

Does MIPS provide any assistance with public relations and defamation?

Yes, within the limits of discretionary assistance provided under MIPS Protections. MIPS has counselled and assisted members on how to remove defamatory social media posts and website reviews. MIPS however, does not provide financial assistance to employ a PR firm or compensation for defamation.

Will MIPS assist me if I am brought before a tribunal by AHPRA or my hospital employer?

Yes, as part of your provision of healthcare MIPS will indemnify you for defence costs for proceedings before a hospital inquiry or professional body such as a college or AHPRA. This includes administrative tribunals, disciplinary hearing and investigations into healthcare provided by you and legal costs of a professional body, court or tribunal you are ordered to pay.  MIPS makes no distinction whether the legal representation is to defend your actions or to remove you from proceedings (ie removal from proceedings) and provides cover in both instances.

If a private health fund sues me, will MIPS defend me and to what limit?

MIPS’ indemnity has no-sub limits, so any actions covered under the policy falls under the one limit of $20 million. If the civil case brought against you relates to your provision of healthcare then it does not matter whether it is a patient or a private health fund that brings the case, MIPS will defend you. However, if the matter relates to say, an accusation of fraud concerning billing, then MIPS’ policy is unable to respond.

Will MIPS pursue my right to indemnity if my employer/hospital/clinic refuses to assist?

Yes, if you are a MIPS member and you provide healthcare in an employer indemnity role where the healthcare you provide is covered under your employer’s policy, then MIPS is able to provide assistance through MIPS Protections. This may also be known as ‘indemnity dispute pursuit’. MIPS commonly assists members where employers are not meeting or where they are unable to meet their obligations (eg due to conflict of interest).

If I get caught speeding in my car to a medical emergency and lose my licence would MIPS assist me?

In these unlikely circumstances MIPS would MIPS is able to provide assistance through MIPS Protections. MIPS Protections gives MIPS the discretion to assist members in these plausible but unlikely events.

If a mentally unstable patient threatens me or my family, can MIPS provide financial aid for my personal safety?

This is an unusual circumstance and MIPS would consider the merit of the request through the discretionary cover of MIPS Protections.

Will MIPS provide indemnity if I’m on an international or domestic flight and I’m asked to provide healthcare for an unexpected event?

Yes, Good Samaritan acts are covered in all countries except USA or countries where US law applies. The following outlines basic principles that will be considered in determining whether an event is of a ‘Good Samaritan’ type:

  • there should be no expectation that the member is available or would be available to provide health services; and
  • the Good Samaritan act is provided in a voluntary manner; and
  • any such assistance is in relation to unexpected and unanticipated events.

This cover is applicable to all members, including those in ROCS or ERP membership categories.

If I provide advice about products I have sold, does MIPS indemnify me for any acts, errors or omissions?

Yes, MIPS’ indemnity includes cover for advice on goods sold. You can only be covered where the product prescribed is registered under The Therapeutic Goods Act 1989 (Cth). There is no cover for any claim, investigation or proceeding arising out of the importation, manufacture, distribution or sale of any product except for dental practitioners.

Will MIPS assist me with a claim if I am not in the correct membership category?

Members are required to be in the correct membership category for the practice they wish to be indemnified for. For example, it is essential that you notify MIPS immediately if your circumstances have changed, for example your will exceed the estimate billings or salary you provided to MIPS or your primary practice state has changed.

How do I calculate my private practice (non employer indemnified) gross fees and salary?

When requesting a quote or applying for membership (or changing membership categories), you will be asked for  the following:

Estimated annual gross billings for non-employer indemnified practice (ie private practice)

The total of all billings generated by you from all areas of your practice for which you require medical indemnity cover (ie billings in your name or for work for which you are personally liable), including: Medicare Australia benefits, payments by individuals; and payments by the Commonwealth Department of Veterans Affairs, worker compensation schemes and third party and/or vehicle insurers, whether retained by you or otherwise, and before any appointment or deduction of any expenses and/or tax. Do not include billings where indemnity is provided by your employer.

Estimated annual salary for non-employer indemnified practice

If you undertake non-employer indemnified practice where billings are not generated by you or on your behalf you are required to include your annual salary for that practice to determine the level of cover you require. Do not include any salary where indemnity is provided by your employer.

Where indemnity is provided by the employer, the salary from that employment is not included in the calculation of gross private billings. If you are unable to determine your billings for work that is not employer indemnified then you may submit a written request to MIPS providing details of:

  • Salary or hourly rate;
  • Number of hours per week;
  • Type of work or procedures you will be performing;
  • Whether or not you will be supervised; and
  • Any other information that may be relevant to the selection of an appropriate membership category.

Details of Medicare billings can be obtained by contacting the Medicare Provider contact centre. Medicare will be able to provide details of Medicare services billed in your name and the gross charges for particular periods. Requests to Medicare should be on your letterhead and include the respective provider numbers or stem, details of the period/s required and any other relevant information.

Medicare provider enquiries can be directed to:

How do I confirm if I am an employer indemnified medical practitioner?

We strongly recommend that if you are unsure of your medical indemnity insurance status, you should request that it be confirmed in writing by your employer. Alternatively, medical practitioners employed under contract in the public hospital system may contact the Australian Salaried Medical Officers Federation (ASMOF) for advice regarding the indemnity provided under their contract.

I am employer indemnified, but undertake some additional work (eg surgical assisting) that is not indemnified by my employer, do I require additional cover?

Yes. It is an AHPRA requirement that you have appropriate indemnity so unless your employer provides this you must obtain indemnity from a provider such as MIPS. Your membership can be endorsed for 'surgical assisting only' if this is the only private work you are undertaking outside of your employer indemnified role.

I am a GP Registrar and undertake some locum shifts; do I require additional cover?

If you are a direct employee (PAYG with superannuation being contributed) of the hospital or organisation, it is likely that you will be covered by their indemnity arrangements. However, you should always obtain written confirmation from the employer that your conditions of employment include indemnity cover provided by them.

If you are employed as a contractor (using a tax invoice and ABN Number) or are employed through an agency, it is most likely that you will need your own ‘private practice’ cover (eg through MIPS) unless the employer has made special arrangements and has confirmed in writing that they are providing indemnity cover for you.

I am in a registrar training program, which category should I select?

You should select the category that reflects your field of specialty (eg surgery, GP etc). You may be eligible for a recent graduate basis and MIPS will asses your risk based on previous practice and take into account that you are undertaking a training program when calculating your membership fee.

What happens if my type of practice changes during the membership period?

To ensure that you do not prejudice your rights to the benefits of membership including insurance covers, you are required to notify MIPS of any change in the nature of health services provided by you as soon as you become aware of the change and to select an appropriate membership category. Changes to your membership category may result in an amendment to your membership fee and you may also be required to sign a declaration confirming that you have notified MIPS of any incidents that may arise from your prior practice.

Am I covered for practice outside of Australia?

MIPS medical indemnity insurance cover and other membership benefits do not automatically extend to practice or claims outside of Australia.

Practitioners escorting Australian cultural and sporting groups or providing gratuitous health services to third world countries as part of an aid programme must contact MIPS to notify that intention and seek MIPS agreement and endorsement for extension of cover for that activity. Members are required to select an appropriate membership category that includes private practice cover.

Cover under the MIPS Members’ Medical Indemnity Insurance policy can be provided to hospital/employer indemnified members employed in any country except the United States of America (USA) or countries where the laws of the USA apply. This cover is subject to individual member application and approval.

Please note that MIPS Members’ Medical Indemnity Insurance policy does not extend to the USA or where US laws apply. Students conducting an elective in the USA can find information regarding malpractice insurance through the American Medical Students Association.

Can I practice in other states?

Yes. The benefits of MIPS membership apply throughout all Australian states and territories. Your Member Benefit Statement reflects the practice state where the majority of your private billings are generated in any membership period. If your practice state changes you are required to notify MIPS as soon as you become aware of the change.

What happens if my main practice’s address changes?

You are required to notify MIPS of any change in the location in which you provide health care to ensure that you do not prejudice your rights to the benefits of membership including cover under the insurance covers or the amount that you are indemnified for a claim. Any changes to your membership may result in an amendment to your membership fee. You may also be required to sign a declaration confirming that you have notified MIPS of any incidents that may arise.

What is the MIPS Members’ Practice Entity Policy?

The MIPS Members’ Practice Entity Insurance Policy is designed to provide cover to MIPS members from liability they may have through owning and working in a healthcare practice. For example, your practice entity is the subject of a claim because of the acts or omissions of one of your practice staff or contractors when providing healthcare. Provided your structure meets the Practice entity definition (generally, members must have majority ownership of, and provide the majority of healthcare at the practice), this cover is a benefit of your membership at no additional cost. Employer indemnified, student and non-practicing members are not eligible.

Who/what does the Practice Entity Policy cover?

In general, the Practice Entity Policy provides indemnity for claims arising from the provision of healthcare services where a claim is made against:

  • the practice entity and/or
  • practice staff eligible for cover under the policy.

If the Practice Entity Policy cannot respond to the claim, assistance for non-medical indemnity claims may be provided under MIPS Protections. MIPS will consider your claim for protections in accordance with the MIPS Constitution and the law.

What is not covered under the Practice Entity Insurance Policy?

The following provides examples where the Practice Entity Insurance Policy does not provide cover for any claims or investigations:

  • Healthcare practice outside the membership classification (category, basis or endorsement) of any MIPS member who has an ownership interest in an eligible practice entity at the time the qualifying claim was notified or the investigation was commenced
  • Any obligations you may have as an employer to indemnify employees that are otherwise excluded from the definition of practice staff in the policy wording in the Insurance Covers Handbook
  • Indemnity for non-medical indemnity claims such as public liability, worker’s compensation, employment disputes, taxation matters etc

If you require any additional non-medical indemnity insurance covers, MIPS recommends that you obtain appropriate indemnity cover from a general insurance broker.

Which practice staff are covered?

In general, eligible practice staff are administrative staff not providing healthcare. These include receptionists, administrative clerks and practice managers. Practice staff may also include persons not required to be registered with AHPRA, but who provide healthcare related services (such as sleep or lung technicians) under the MIPS member’s supervision.

Practice staff excludes health practitioners required to be AHPRA registered (who are required to hold indemnity insurance for example nurses and other allied health professionals) and/or who act autonomously when providing healthcare and/or who bill patients under their own provider number or name and/or where the practice bills patients on their behalf.

Is my practice entity eligible?

To be entitled to cover under the Practice Entity Policy your practice must fit one of the following scenarios:

  • You are the sole practitioner and shareholder of the entity;
  • The majority of owners (shareholders or partners) of the entity are MIPS members AND those MIPS members are the majority of working healthcare practitioners in the entity; or
  • The entity structure is deemed to be eligible by MIPS.

To be eligible for cover under the Practice Entity Policy in the event of a claim, the practice entity structure must meet the definition of a practice entity both at the time of notification and at the date the incident occurred that triggered the claim.

How do I check if my entity meets the practice entity definition?

To obtain confirmation that your practice entity meets the definition complete the online Combined Practice Entity Enquiry and Cyber, Privacy and Media Cover Application form. The information required for assessment includes:

  • name of the entity
  • description of the healthcare services undertaken by the entity
  • information regarding the entity structure i.e. company, partnership, trust and
  • number and type of practitioners providing healthcare, their percentage ownership, their average hours worked in the entity per week and whether they are a MIPS member.

What if my practice entity is not eligible?

If your practice entity is not eligible for cover under the Practice Entity Policy, MIPS recommends you contact an insurance broker to obtain appropriate cover for your practice structure.

If the practice staff are acting under my direction will MIPS cover them?

Where practice staff are acting under the supervision and instruction from an appropriately qualified healthcare practitioner, the practice staff should seek indemnity from that practitioner (and their indemnity insurance policy).

The Practice Entity Policy may apply if a claim is made against eligible practice staff where they are:

  • acting within the terms of their employment with an eligible Practice Entity and
  • where the practises and protocols of that employment did not require them to act under the supervision and instruction of an appropriately qualified healthcare practitioner.

Does the Practice Entity Policy provide cover for prior incidents?

The policy may provide cover for claims arising from events that occur the later of either 1 July 2005 or your membership inception date. To be eligible for cover under the Practice Entity Policy in the event of a claim, the practice entity structure must meet the definition of a practice entity both at the time of notification and at the date of incident.

What is the limit of indemnity under the Practice Entity Policy?

Under the terms and conditions of the Policy the maximum MIPS will pay in the period of insurance for each claim and claims in the aggregate, against each practice entity and its practice staff (collectively) is $20 million in the aggregate, less any amount paid or payable by us under any MIPS Members’ Indemnity Insurance Policy.

What if my practice structure changes?

Cover under the Practice Entity Policy remains in place as long as you remain a member of MIPS and your practice entity continues to meet the definition under the terms and conditions of the policy. To obtain clarification and confirmation of whether your practice entity meets the definition complete the online Practice Entity Cover Enquiry and Cyber Privacy and Media Application form.

What other benefits may apply?

MIPS members that are eligible for the Practice Entity Policy may also be eligible for Cyber, Privacy and Media insurance cover which provides cover for a members' practice in connection with cyber risks (in general terms such as damages and costs incurred due to viruses, malware, privacy breaches etc). Where eligible, this cover will form part of your membership benefits at no additional cost.

Members need to complete a separate application for consideration and approval of Cyber, Privacy and Media cover.

What cover is provided under the Personal Accident Policy?

The MIPS Members’ Personal Accident Policy provides certain benefits for members under age 75 (and/or their families) subject to the terms, conditions and limitations of the policy. Benefits include lump-sum payments for accidental bodily injury, sickness or death due to defined events:

  • death benefit of $125,000 (or $200,000 for members of five or more consecutive years of membership)
  • permanent loss of healthcare practitioner board/s registration due to injury or sickness (as defined) up to $100,000
  • funeral expenses up to $10,000 if you suffer death as a result of an accident
  • credit card protection in the event you suffer death as a result of an accident up to $10,000
  • travel extension when your main purpose of travel is providing gratuitous healthcare (and for any family member travelling with you)
  • replacement staff recruitment if you suffer an accident up to $10,000
  • education fund supplement in the event of death as a result of an accident and you are survived by dependant child(ren)
  • communicable diseases in the event you contract a communicable disease (as defined) acquired through undertaking an authorised healthcare activity (Student and Recent Graduate Classification only)
  • travel cover limited to travel for specified purposes (refer FAQ Am I eligible for the travel cover extension? )

The above is a summary only, full details of the benefits, conditions and limits are stated in the policy wording in the Insurance Covers Handbook available from Publications page.

Am I eligible for cover under the Personal Accident Policy?

Cover is provided as a MIPS membership benefit to all current non-student members under the terms, conditions and limitations of the policy. Student members are only eligible for covers where stated.

Am I covered for needle stick injuries?

Student and Recent Graduate members are eligible for cover in the event that they contract a communicable disease (defined as Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV), Hepatitis B or Hepatitis C) acquired through undertaking an authorised healthcare activity required under and appropriate for your Student or Recent Graduate classification.

Am I eligible for the travel cover extension?

Members may be eligible for travel cover when the main purpose of their travel is providing healthcare outside Australia for the following:

  • student member undertaking an approved student elective placement
  • recent graduate member undertaking a clinical placement in an employer indemnified arrangement
  • non student member providing gratuitous healthcare services (includes cover for any family member travelling with you)

Cover is limited to one pre-approved overseas trip per annum, per Member. Student and recent graduate cover is capped to six calendar months. The travel extension does not apply to any travel undertaken in Australia.

If you are eligible for the travel cover extension you will receive a Certificate of Currency (travel extension) along with your MIPS Certificate of Membership for your approved placement.

How do I apply for the travel cover extension?

Indemnity and travel cover for international placements is subject to individual application and approval. Forms are available online at mips.com.au/forms

What benefits are provided if I am eligible for the travel cover?

Subject to the terms, conditions and limitations of the policy cover include:

Insured event Compensation (AUD)
Medical expenses $ 2,000,000 for 24 months
Additional expenses $100,000

Baggage, travellers' cheques, Travel documents and credit cards (Limit any one item 50% of sum insured)

$10,000

Money

$1,000

Loss of deposits and cancellation charges

$10,000

Kidnap, detention, extortion and ransom

$500,000

Extra territorial workers' compensation

$500,000

Hire car excess expenses

$2,000

Personal liability

$1,000,000

Evacuation cover and personal safety

$25,000

Life insurance

$50,000


The above is a summary only, please refer to the policy wording ‘Extent of Cover’ for further information.

Is there any emergency assistance provided?

If you are eligible for the travel cover you are entitled to the services of an Emergency Assistance Company in the event of a medical emergency or Sickness by using a toll-free or reverse-charge telephone number stated on Accident & Health International’s Assistance Emergency Identification Card which can be issued to you upon request.

Dynamiq Assist is A & H International’s International Safety, Security and Emergency Management Consultant specialising in medium to high risk environments. In the event of an emergency evacuation or situation whilst travelling contact Dynamiq Assist for advice and management of the evacuation or situation on +61 2 9978 6666.

You can also contact Dynamiq Assist to assist you with many pre-travel services on the following contact details:

+61 2 8579 0901
assistance@dynamiq.com.au

Is there an excess if I make a claim under the travel cover?

Some limits and exclusions will apply, for example, if you were to claim for any loss or damage to electronic equipment such as a laptop or mobile phone you would be liable for the first two hundred and fifty dollars (AUD 250) of each and every loss.

Refer to the policy wording, in particular ‘Extent of Cover’ for any other limits or exclusions that may apply.

Will I be covered for other activities during my placement?

Yes, you will be covered for activities however exclusions apply. If you have any particular activities you expect to undertake during your trip please forward the details to MIPS and we can seek confirmation from A & H International that they will not be excluded.

Refer to the policy wording, in particular the general conditions and limitations that apply.

Will the cover apply to any extended holidays or layovers?

The travel insurance policy will extend to a holiday or layover period as long as this period does not exceed the period related to the ‘main’ purpose of travel. For example if you are undertaking an approved 4 week clinical placement followed by 1 week holiday, the travel extension will apply to the whole period outside of Australia (ie 5 weeks).

Is there any cover if I have to cancel my placement?

If you have commenced your travel, there is cover in place to arrange for you to be brought home if you are ill. If you have not commenced your travel and you have to cancel your placement due to illness or other unforeseen circumstances you may be able to claim under Loss of Deposits.

Will my pre-existing medical condition be covered?

There is no cover for a condition caused by a pre-existing condition. Pregnancy is also not covered.

Are international students eligible for the travel cover?

Travel insurance benefits apply to elective placements undertaken outside of Australia. If you are an international student undertaking an elective in Australia you will not be eligible for this cover. You should contact a local travel insurance provider if you require such cover for your placement in Australia.

How do I make a claim?

If you need to make a claim please send a written notice of claim to A & H International within 30 days of the date of the Injury occurring or as soon as reasonably possible. A & H International will send you a copy of their claim form which will need to be completed and returned for assessment before any payments under the policy can be determined.

GPO Box 4213 Sydney NSW 2001
1800 618 700
acchealth.com.au
Quote policy number: 26102

You will be required to provide supporting documentation as requested for any claim made under this policy.

Who do I contact if I have queries?

Contact MIPS on 1800 061 113 or email info@mips.com.au

Why do I require run off cover?

When you cease practice, liability or potential liability relating to your past clinical practice continues. Medical indemnity insurance in Australia is offered on a ‘claims made’ basis. This means that when you cease MIPS membership, you will no longer be covered for any new incidents or claims that are subsequently notified.

The potential for claims to arise from “incurred but not reported incidents” may exist for many years after you cease practice. It is therefore very important to maintain your membership with ‘run-off’ cover after you cease practice to remain covered.

What type of run off cover is offered by MIPS?

Various membership categories may apply depending on your individual circumstances. These are outlined in our Membership Classification guide. Medical practitioners may be eligible for the Government funded Run-Off Cover Scheme (ROCS). Medical practitioners that do not qualify for ROCS need to apply for Extended Reporting Period cover until they meet the ROCS eligibility requirements.  See If I cease practice in Australia, do I still need cover?

What is ROCS? (medical practitioners only)?

ROCS provides Medical Indemnity run off cover to medical practitioners who have left private practice and meet the eligibility requirements at no cost. ROCS eligibility may apply if you are a private medical practitioners and leave the workforce:

  • after age 65;
  • because of permanent disability;
  • on maternity leave;
  • upon death ; or
  • when leaving the country after working as a doctor under visa subclasses 422 (medical practitioner) or 457 (business (long stay).

If you leave the workforce for reasons other than the above, you will become eligible for ROCS after three years. To remain covered you will be required to purchase run off cover referred to as Extended Reporting Period (ERP) cover. If you do not purchase run off cover, and are not yet in ROCS, you will be uninsured. This means you will personally bear all the costs of any legal action against you, relating to your previous medical practice.

What is Extended Reporting Period (ERP) cover?

ERP cover provides protection for emerging, ‘incurred but not yet reported’ claims for members who have permanently ceased practice but do not qualify for ROCS. Under ERP cover (which includes ROCS) MIPS may respond to a claim subject to:

  • the previously unknown incident being reported after cessation of Australian medical practice; and
  • the previously unknown incident occurred after the retroactive date shown in your last pre-run off cover membership benefit statement; and
  • the previously unknown incident is of a type that would have been covered if reported at the time it occurred and/or under your last pre run off cover membership.

What happens if I choose not to accept an offer for run-off cover?

If you have ceased practice and choose not to accept an ERP or ROCS offer, you will not be covered for matters that relate to your practice prior to your cessation of practice.

How is my membership fee for run-off calculated?

Your membership fee for run off cover is calculated on a number of factors including, cover start date, retroactive cover date and membership categories and practice state/s for previous membership periods. Your membership fee may reduce when you qualify under MIPS Loyalty benefits (when you are a member of MIPS for 5 or more continuous years) or when you qualify for ROCS. The ROCS levy amount is calculated at a rate of 5% of the medical indemnity cover premium paid for you by MIPS.

How long do I require run-off cover?

MIPS will offer you annual membership cover until an offer is declined.

Medical practitioners, after not practicing in Australia for three continuous years, may qualify for ROCS. You may qualify earlier for ROCS (for example if you turn 65) during those three years.

I have only worked in an employer indemnified setting, do I require run off cover?

Yes, if you wish to maintain access to cover for matters not covered by your employer, such as:

  • Professional disputes with your employing hospital
  • Medical or Dental Practitioners Board complaints
  • Coroner’s inquests
  • Health Services Commissioner matters and
  • General assistance and clinico-legal advice.

In the unlikely event that your employer refuses to indemnify you, you may seek assistance from MIPS under MIPS Protections for non-medical indemnity matters.

Can I continue to provide Gratuitous Services if I am in Run-Off Cover (or ERP)?

Run off membership with gratuitous services may be appropriate if you have completely retired from practice but still undertake gratuitous work where such work is permitted by the Australian Health Practitioner Regulation Agency. Gratuitous service is where no payment is received for the voluntary provision of health services such as referrals or prescriptions. A nominal additional charge applies.

Are there any other options available to me to ensure I have appropriate cover, when I cease practice?

If you are temporarily ceasing practice and you do not intend to provide gratuitous services but wish to maintain the benefits of membership, there may be other appropriate membership arrangements available. Please call 1800 061 113 for further information.

How do I request a membership fee estimate for run off cover?

Please complete the Ceasing Practice or Cancelling Membership Form and return to MIPS. Once received, MIPS will issue you with the appropriate documentation.

How does run off cover work?

With run-off cover

Dr Green advises MIPS that he is ceasing practice and wants to change to run off cover from 2 May 2017. His details are as follows:

  • Membership expiry: 30 June 2017
  • Retroactive cover date: 1 July 2008
  • Cease practice: 1 May 2017

At renewal, Dr Green renews his membership with a ‘run off’ basis for the next year. On 1 November 2017, Dr Green is made aware of an adverse outcome regarding a patient they treated in 2014.

Dr Green contacts MIPS to request assistance. MIPS is able to respond and assist with this potential claim because:

  • it arose out of a clinical incident during the period between the members retroactive cover date and the end date of their last non run off cover membership; and
  • MIPS has been notified within a current membership period.

Without run-off cover

Dr Browns advises MIPS that she is about to cease practice and does not want any run off cover.

  • Membership expiry: 30 June 2017
  • Retroactive cover date: 1 July 2008
  • Cease practice: 1 May 2017

Before Dr Brown ceases practice and allows her membership to lapse at 30 June 2017. She does not acquire any run off cover with MIPS. On 1 November 2017 Dr Brown is made aware of an adverse outcome regarding a patient they treated in 2014.

MIPS is unable to respond or assist with this potential claim as the practitioner.

  • does not hold a current MIPS Membership;
  • the claim has been notified outside of the membership period, even though the incident occurred during the practitioners retroactive date and end date of the lapsed medical indemnity insurance cover.

What is reciprocal membership?

Medical Indemnity Protection Society (MIPS) and the Medical Protection Society (MPS) have an arrangement for MPS members seeking medical indemnity cover whilst undertaking employer indemnified only practice in Australia. As a reciprocal member your membership fee will be paid in full by MPS.

MIPS reciprocal membership will provide members with cover and assistance for matters that may not be covered by employers, which may include:

  • professional disputes with your employer
  • registration board complaints
  • coroner’s inquests
  • health services commissioner matters
  • investigations by state drug and poisons services
  • general assistance and medico-legal advice on issues such as informed consent, testamentary capacity, when to report to the coroner, release of medical records etc.

Please note that reciprocal medical indemnity cover will not provide indemnity for civil claims arising from salaried work. However, you may approach MIPS for assistance if you have concerns that your employer is not meeting or is unable meet (eg due to conflict) their obligations to you.

Who is eligible for reciprocal membership?

MPS members who intend to practice in Australia in a fully employer-indemnified position are eligible for MIPS reciprocal membership, provided they maintain their MPS membership throughout the period of reciprocal membership.

What is employer indemnified practice?

Employer indemnified practice refers to practice where your employer has agreed to indemnify you for any civil claims as a result of your acts, errors and omissions in carrying out your duties. This type of practice is usually undertaken in a public hospital setting however you may also be indemnified by your employer in a private setting.

If you are employed as a contractor, and you have received confirmation (from either your employing hospital, clinic or locum agency) that you are indemnified for civil claims that arise from your healthcare practice, then your practice is considered to be ‘employer indemnified’.

What is the maximum period of reciprocal membership?

Reciprocal membership is limited to a maximum of a two year period from the initial commencement date of practice in Australia.

After this period, if you wish to maintain cover for your practice in Australia you will be required to contact MIPS to amend your membership details to an appropriate non-reciprocal membership classification.

How do I extend my period of membership?

To extend your original period of reciprocal membership, please contact MIPS and update your placement end date. Please remember to keep MIPS up to date with any changes to your contact details, practice dates or circumstances in Australia.

Can I undertake any private practice whilst under reciprocal membership?

Any form of private practice (ie practice outside an employer indemnified setting) will not be covered under the reciprocal arrangement. If you wish to undertake private practice in Australia please contact MIPS to amend your membership details to a non-reciprocal membership classification.

What happens to my reciprocal membership if I cease membership with MPS?

Once your membership with MPS ceases, you are no longer entitled to reciprocal membership with MIPS. If you are still practicing in Australia please contact MIPS to amend your membership details to a non-reciprocal membership classification.

What happens when I cease practice in Australia?

Prior to ceasing practice in Australia you need to update your membership details to obtain run-off cover for your past practice by completing the online Ceasing Practice in Australia form. As Medical indemnity insurance in Australia is offered under a ‘claims made’ basis, there is a requirement for medical practitioners to maintain appropriate run-off cover for their past practice. Run-off cover under the reciprocal arrangement is offered to you at no cost.

Based on the information provided you may be eligible for ROCS or ERP run off cover.

If you do not complete and return this form to MIPS after you cease practice in Australia your membership will lapse effective 30 June.

If your MIPS membership lapses, your benefits of membership (including insurance covers) cease and you are no longer covered for any new incidents or claims that are notified to MIPS even if those events occurred while you were a member of MIPS.

What is the Run Off Cover Scheme (ROCS)?

ROCS is an Australian Government scheme that offers run-off cover to eligible medical practitioners at no cost.

Reciprocal members who work in Australia as a doctor under visa subclass 422 (medical practitioner) or 457 (business long stay) are eligible for ROCS once they leave Australia. The cover under ROCS is the same as your last indemnity insurance contract with MIPS prior to or at the time of eligibility for ROCS.

What is Extended Reporting Period (ERP) Cover?

ERP cover is offered to reciprocal members who do not qualify for ROCS (ie not having worked in Australia under a visa 422/457). ERP cover will provide members with run off cover for any matters that may be reported to MIPS after you leave, that arises from your medical practice whilst in Australia. ERP cover will be continued to be offered for 3 years at which time you will qualify for ROCS. Cost for ERP cover is waived for MPS members completing employer indemnified work within two years. A cost for ERP cover will apply for MPS members who undertake non employer indemnified work or extend their practice over the two year maximum period.

What is telehealth?

Telehealth incorporates the use of technologies for the purposes of providing healthcare over both long and short distances, particularly for patients living in rural and remote locations. It also provides appropriate timely after-hours and expert/specialist care for patients. Telehealth services are intended to enhance primary care rather than replace primary care delivery.

Do MIPS membership benefits extend to telehealth services?

MIPS Membership benefits (including insurance covers) extend to technology based services, within the guidelines of this page.

Do I require approval before commencing telehealth services?

You are required to provide further information for assessment in some circumstances. You must approach MIPS for confirmation that membership benefits (including insurance covers) extend to telehealth services, where you are undertaking services:

  • as an employee where the employer does not provide indemnity
  • where there is no intention to undertake face to face consultations with the patient and/or
  • where the patient or practitioner is located outside of Australia.

What guidelines must I be aware of and be familiar with?

You should be aware of, and be familiar with the following requirements when considering participating in telehealth services:

  • You must have appropriate recognised registration, qualifications, training and experience for the health services you provide.
  • You are expected to consult and practice in accordance with The Medical Board of Australia Guidelines on Technology-based patient consultations, located at medicalboard.gov.au
  • You are required to consult and practice in accordance with your relevant collegiate guidelines and standards. The RACGP Guidelines provide useful guidance in respect of telehealth: racgp.org.au
  • You are expected to consult and practice in accordance with the Medicare Guidelines and standards in respect of telehealth consultations located at medicareaustralia.gov.au

What are the exclusions when undertaking telehealth services?

Member benefits (including insurance covers) will not apply if you are undertaking services outside of the guidelines in this document, your nominated membership category, AHPRA registration, or your training, qualification/s and experience.

Do my services meet the requirements for ‘physical examination’?

As outlined in section 2 of Guidelines on Technology-based patient consultations from the Medical Board of Australia, practitioners should “make a judgement about the appropriateness of a technology-based patient consultation and in particular, whether a direct physical examination is necessary”.

Where a direct physical examination is necessary and you conduct telehealth, you must ensure that the patient’s GP is present and that you either:

  • arrange for an equally well qualified and experienced practitioner to see the patient in person, or
  • you see the patient in person at the initial consultation or the earliest opportunity commensurate with the patient’s health and then use tele-health for ongoing management.

What if I treat a patient located outside of Australia?

In a telehealth consultation, the healthcare service is considered to be located in the country of the patient NOT the practitioner. Your membership benefits (including insurance covers) will not extend to any claim for or arising out of or in connection with the provision of healthcare outside of Australia or its Territories unless agreed in writing by MIPS.

What if I am located outside of Australia when I provide telehealth?

In a telehealth consultation, the healthcare service is considered to be located in the country of the patient NOT the practitioner, however, in the event that a practitioner is not located in Australia when providing telehealth services to a patient located in Australia, members should submit information in writing to MIPS for assessment and clarification.

Why does MIPS provide education?

Risk education is a benefit of membership and can minimise the risk of:

  • an adverse or unexpected outcome to patients
  • complaint, claim or investigation for all members. 

It is designed to minimise the clinico legal and regulatory risk of all health practitioners.

AHPRA codes of conduct require members to have an understanding and apply the key principles of risk minimisation and management in health practice. AHPRA applies a mandatory registration standard for continuing professional development for all health practitioners which can be audited. Most MIPS risk education is accredited and applicable to members' CPD requirements. 

What education does MIPS provide?

MIPS provides Autumn and Spring education programs. This comprises face to face interactive workshops throughout Australia, convenient evening webinars and a range of online units (all year around). Key risk education or emerging issues are covered. MIPS also provide access to accredited CPR training which meets member requirements. Risk related articles are provided in the 'MIPS Matters' and industry news and case studies are provided online.

What is the education based on?

Risk education is based on MIPS’ complaint, claim and investigation experience, emerging trends, as well as the wider experience of the medical indemnity industry. It is also influenced by the MIPS Constitutional object “to promote honourable practice and discourage irregular practice”. The common law, AHPRA codes of conduct, College resources and industry curriculum such as the Australian Curriculum Framework for Junior Doctors in Australia, are also considered when formulating our education framework. 

Who provides the education?

MIPS' clinico-legal advisers present the education and are complimented by external providers such as the Cognitive Institute and other experienced health practitioners with an interest in risk education, all excellent communicators and experienced educators. 

How do I register for risk education?

MIPS' clinico-legal advisers present the education and are complimented by external providers such as the Cognitive Institute and other experienced health practitioners with an interest in risk education, all excellent communicators and experienced educators. 

Is the education accredited and does it count towards my CPD?

MIPS accredits education with the RACGP, RACS and ACRRM. All accredited education will count towards a member’s mandatory CPD requirement. You will be asked for your College CPD reference when completing an evaluation. MIPS processes member CPD for accredited College education soon after the event. Members may also apply to their College to consider the education as part of their self directed learning or CPD requirement. Details of the CPD available for each workshop and webinar event are included in each program. Full details of CPD for all events and online modules are available on the website.

Do I receive evidence that I have completed the education?

Members completing any risk education event receive a Certificate confirming the topic, date completed and duration of the education. Members can download these from MIPS My Membership at any time. Please note that it may take 3-5 working days for it to appear on My Membership and/or to receive a certificate. Where education is provided through an external provider such at the Cognistite Institute or Red Cross, certificates are provided through the provider and may take longer.

I am unable to attend a webinar. Will it be available online after the event has taken place?

Yes, these can be viewed online. Please have your membership username and password ready as you will be prompted to provide these.

What if the workshop is already full?

If you try to register and the workshop is full, may wish to be waitlisted. By doing so, once a position becomes available, you will be notified.

Is there a fee to attend a risk education event?

No - this is a membership benefit and provided to members at no extra cost.

Why isn’t there a workshop in my location?

When establishing our risk education program we try our best to balance the demands and demographics of our membership base to determine appropriate locations and timing to maximise attendance.

We appreciate that members would like to see more easily accessible locations and we continue to look at ways we can do this that are affordable. For example holding multiple workshops on a single day may assist those travelling a long distance. Alternatively, we continue to build on our online risk education offering and hope to offer webinars in the future of our more popular events.

Is MIPS risk education history recorded?

Yes. All completions and attendance at a workshop, webinar or online module will be recorded on the member’s risk education history available through MIPS My Membership.

Do I need Unique Student Identifier? (USI)

If you are attending a CPR workshop, you will require one of these. As of 1 January, 2015, the Federal Government require all training providers such as Red Cross to ensure students completing CPR courses have a USI. This enables recording and tracking of individual and training providers’ education.

How do I obtain a USI?

Please go to www.usi.gov.au to create one before attending the training. Please bring this, with photo identification to your CPR workshop.

Does MIPS provide education to students and hospital staff?

Yes. MIPS can provide a range of risk education to students and young practitioners in hospitals or to a specific cohort of practitioners throughout Australia in order to minimise risk for individuals and organisations. Requests for risk education can be forwarded to education@mips.com.au.