Students studying medicine, dentistry, oral health or other healthcare disciplines such as nuclear medicine technology may apply for MIPS membership.

International students on elective placements in Australia may also be eligible to apply.

Student membership is free

It's simple to apply online now. It takes 1-2 minutes to complete the form and membership is free for students.

Apply now

Benefits for our student members

  • Indemnity cover for university student clinical activities and placements.
  • 24hr Clinico-Legal Advice and Support, by experienced expert healthcare professionals.
  • MIPS Protections provides discretionary indemnity and assistance (eg assisting students with complaints made against them by their university).
  • Indemnity and travel cover for approved student elective placements outside of Australia at no additional cost.
  • Other benefits including:
    • a discount on private health insurance as well as access to the My Wellness website where you can obtain nutritional, physical and mental health programs and also perform an online health check
    • access to tools and resources to assist with financial literacy as well as access to personal, car and equipment loans and services.

Protection during your elective

Student members undertaking an elective placement (excluding the US or where US law applies) are subject to individual application and approval and cover will extend to supervised student healthcare activities (commensurate with their experience) listed below:

  • observation, taking a history or performing the physical examination of a patient
  • writing a patient management plan and interpreting investigations
  • administration and principles of admitting and discharging patients
  • communicating with patients, relatives and staff
  • basic clinical activities (dressing wounds, venepuncture, cannulation, suturing, assisting in surgery)
  • basic dental activities (scale/clean, oral health instruction, simple extractions, restorations).

See the Membership Benefits Handbook and the Members' Insurance Covers Handbook for more detail.

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Electives cover - how do I apply?

To receive free travel elective indemnity insurance and your electives cover, which are benefits of student membership, you must apply online. If you are already a member you can complete the electives form. If you are not a member yet, you can apply for both membership and your electives cover using our online student application form.

If you are doing an international elective, you are eligible to apply for travel extension cover in addition to indemnity, which includes covers such as:

  • loss of baggage, traveller's cheques, travel documents and credit cards up to $10,000
  • medical expenses up to $2 million for 24 months
  • kidnap, detention, ransom and extortion up to $500,000

See the Insurance Covers Handbook for details.

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). Once notified MIPS may appoint legal representation. 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 on indemnity insurance policies

Are you doing an elective?

Each year MIPS provides indemnity cover to students doing electives locally as well as outside of Australia. Students doing international electives are eligible to apply for travel extension cover  - all part of free student membership.

Finance for your needs

MIPS has partnered with Eclipx to help meet some of the common needs of healthcare professionals.

The program takes an innovative approach to providing finance options at various career stages.

Relocation and debt consolidation

Access to a simple personal loan of $20,000 to finance your re-location for work, debt consolidation or other purpose

Find out more

Safe and reliable transport

A safe reliable car is invaluable when getting from home to work and back again

Find out more