Emergency medicine doctor | MIPS Indemnity Insurance

Emergency medicine doctor

Added private practice cover

While you are training as a  registrar you can take advantage of the support MIPS provides to registrars, which can include indemnity insurance cover for private practice at no additional cost.

This means you could be covered for additional non-employer indemnified (private) practice outside of your training program or registrar position (such as locums, surgical assisting etc).

Registrar basis extends to additional non-employer indemnified (private) practice outside of your training program or registrar position, covered under your category, as long as that practice does not constitute more than 50% of your hours worked per week (annualised) and is commensurate with your training, qualifications and experience with appropriate supervision arrangements in place (if applicable). Some exclusions apply (eg GP registrar, if 'employer indemnified only' is appended to your classification), see Registrar basis in the Member Handbook.

Practising as a  specialist requires tailored indemnity insurance to match your practice. As your   career develops your indemnity cover must match, such as when you commence private practice or return to working part or full-time in public practice.

MIPS membership is flexible and your membership fee is calculated to accurately reflect your practice not simply the fact you are working as a  specialist, such as the percentage of private practice you undertake and if you undertake any higher risk procedures such as cosmetic work.

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Administrative staff and assistants cover
The Medical indemnity insurance policy provides cover to protect your practice staff who assist you to provide healthcare. If you employ administrative staff, dental assistants or practice managers indemnity cover is extended to cover them in connection with the healthcare you provide. Staff who are AHPRA registered and require their own indemnity are excluded. Administrative staff and assistants cover excludes claims in connection with cosmetic services.

Sole practitioner cover
This cover protects the business entities of sole practitioners. If you operate your own practice where you are both the owner and the only healthcare practitioner, cover is provided to protect the entity of your practice, ie the company, partnership or business. This cover will also apply to your practice structure when you employ a nurse or if you require a locum to temporarily replace you while you are on leave. It can also apply where your spouse jointly owns the business but does not work as a healthcare practitioner with the business or if you have a silent business partner who is not involved in day to day operation of the business. Conditions apply. See section 22 of the Indemnity Insurance Policy

Examples of eligible structures

Sole practitioner entity cover can apply Sole practitioner entity cover can apply Sole practitioner entity cover cannot apply
Practitioner (You) Practice manager/ assistant
100% ownership  Employee
Practitioner (You) Spouse
50% ownership 50% ownership
Practitioner (You) Practitioner (Other)*
Owner Owner or employee
or contractor*

*Excluding where a locum temporarily replaces you on leave.

Note: All AHPRA registered healthcare practitioners, including nurses and locums, are required to obtain their own professional indemnity insurance.

If you are not a sole practitioner you may need to consider a separate Practice Entity Policy to cover your practice entity and actions of your staff. MIPS has established a relationship Aon to help MIPS members with queries and obtaining a quote for Practice entity, cyber and product & public liability coverage.

On-demand education

Maintaining your CPD as a specialist can be costly if you are exclusively in private practice. You can complete education on-demand and attend workshop or webinars all at no further cost. MIPS education is accredited.

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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: