Intern/HMO/RMO (PGY1-5)

Hospital doctors can be more at risk than they realise. Hospitals typically do not provide support for doctors attending the coroner's court and AHPRA investigations.

If you have already commenced a registrar training program then you may be eligible for membership with a registrar basis where MIPS can extend cover for some private practice at no additional cost.

MIPS members can speak with experienced clinico-legal consultants and rely on MIPS' $20 million indemnity coverage that includes legal defence. Benefits for interns and recent graduates:

  • free membership from your graduation until the next 30 June
  • waived fees for some members after your initial free period
  • MIPS Protections, MIPS is the only MDO to add a layer of added discretionary cover (how medical indemnity used to be offered) to protect members where their indemnity policy cannot respond
  • Personal accident cover including communicable and tropical diseases cover (eg Hep B & C, HIV, Ebola, Malaria etc)

If you expect to enter an accredited or un-accredited registrar position soon, you will also be able to take advantage of membership with a registrar basis. MIPS supports registrars with cover for private practice, such as locums, surgical assisting etc, at no additional cost. Conditions apply.

Get a quote

What is your indemnity status?



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 Membership Benefits Handbook combined FSG and PDS.

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: