Dentist (general registration) | MIPS Indemnity Insurance

Dentist (general registration)

If you are like many Australian dentists, you may be working in a small practice, which you may part own, or be working in a larger practice or hospital. Either way, you can tailor your MIPS membership to suit your practice by adding endorsements, such as minor cosmetics or specified dental procedures, and stipulating the proportion of your practice that is private.

Dentists can add endorsements to their membership, such as:

  • Specified dental procedures extension, eg surgical placement of dental implants, bridgework, crowns or veneers in excess of three units on adjacent teeth including inlays and onlays
  • Minor cosmetics, eg Botox injections, dermal fillers

Specialist training

If you are enrolled in an AHPRA approved program of study for dental specialist registration you can take advantage of MIPS’ ‘Dentist in training’ basis. You may be eligible for a lower membership fee under this classification. Cover under this classification is provided for non-employer indemnified (private) practice as long as that practice does not constitute gross billings of more than $100,000 in a 12 month period and is commensurate with your training, qualifications and experience with appropriate supervision arrangements in place (if applicable).

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Because you are 100% employer indemnified, MIPS can offer you membership on the ‘employer indemnified only' basis so that you pay a lower membership fee than if you were only doing private practice. This accounts for the fact that your employer is providing you with indemnity cover for your job.

MIPS often supports employer indemnified only members with professional disputes, complaints made about them to AHPRA, healthcare services commissioners’ matters (eg NSW HCCC), investigations by state drug and poisons services and general assistance and clinico-legal advice on issues such as informed consent, testamentary capacity, release of records etc.

Hospital and other practitioners employed in large practices (both dental and medical) can be left exposed when an employer is forced to step aside because of their primary duty of care to patients or to ensure independence when dealing with staff issues or AHPRA matters.

If you are in private practice your MIPS membership fees is tailored to your gross private billings and salary. We price the membership based on your practice over the last 3 financial years and the year ahead (4 years in total). More information about pricing.

If your practice changes and a portion of your practice becomes employer indemnified (eg 20%, working one day a week for a public hospital), then you can contact MIPS and have your classification amended which may result in a lower membership fee.

Maintaining your CPD as a specialist can be costly and hard if you are exclusively in private practice. MIPS risk education is accredited by colleges such as the RACGP and counts towards your CPD. You can attend as many workshop or webinars as you like as part of your membership at no additional cost.

If you’re doing some private and some employer indemnified (eg public) work MIPS can accommodate you. This is common for practitioners who are working a day or two in private practice a week. We price your indemnity appropriately, so you don’t pay for unnecessary cover.

When you request a quote simply tell us what percentage of your practice relates to private practice and what percentage is employer indemnified.

If you are in private practice your MIPS membership fees is tailored to your gross private billings and salary. We price the membership based on your practice over the last 3 financial years and the year ahead (4 years in total). More information about pricing.

Maintaining your CPD as a specialist can be costly and hard if you are exclusively in private practice. MIPS risk education is accredited by colleges such as the RACGP and counts towards your CPD. You can attend as many workshop or webinars as you like as part of your membership at no additional cost.

Types of events, liability, cost or expense Cover Aggregate limit of indemnity for all claims
Defending you in the event of complaints or civil suits from patients $20 million
Representing you in an investigation conducted by AHPRA, HCCC, coroner, Medicare or other healthcare authorities
Assisting with responses to investigations or disciplinary hearings by your employer, colleges or professional body
Paying legal costs, damages or other civil liabilities you are ordered to pay
And many more covers… see more in the Member Handbook combined PDS and FSG.

We’re here to protect and support members in some of their most difficult career moments. When the circumstances call for action, we’re prepared. Find out more: