Disclaimer and Terms

Medical Indemnity Protection Society Ltd (MIPS) is an Australian Financial Services Licensee (AFSL 301912). MIPS Insurance Pty Ltd (MIPS Insurance) is a wholly owned subsidiary of MIPS and holds an authority issued by APRA to conduct general insurance business and is an Australian Financial Services Licensee (AFSL 247301). MIPS arranges general insurance covers for MIPS members, including the MIPS Insurance medical indemnity policy underwritten by MIPS Insurance.


This website is operated by MIPS under the domain name www.mips.com.au.  Your use of this website constitutes your agreement to the terms, conditions and notices below. If you do not agree with these terms, please do not use this website.

This website contains general advice only and does not consider what you currently have, want and need for your personal circumstances. It is important that you consider these matters and read the Product Disclosure Statement and any Supplementary PDS that may apply and are available on this website before you make a decision about MIPS membership.

Privacy policy

Your use of the information contained on this website is governed by MIPS Privacy Policy.

If at any time you believe that MIPS has breached these privacy guidelines, please notify MIPS by email at info@mips.com.au and MIPS will use all reasonable efforts to remedy the problem.

Use of this website

You are responsible for the materials you post to our websites and you may not use language that is threatening, abusive or obscene. You may not post information or materials that contain a virus or other harmful components. MIPS reserves the right to remove or edit messages or material submitted by users.

MIPS makes all reasonable effort to provide a secure website and online experience, we do not represent or warrant that our websites are free from computer viruses or any other defect or error which may affect your software or systems. You should protect your software and systems by installing and implementing your own security checks, controls and systems.

MIPS websites use a security mechanism known as Transport Layer Security ("TLS"). This conforms to international standards and helps ensure that information passed to and from our websites cannot be viewed in transit. If you are not using an up to date Operating System or Internet browser then your security may be at risk and you may be unable to use our websites.

MIPS websites may use a feature of your Internet browser called a "cookie" to manage security and store information. If Your browser does not support cookies, or you have disabled this functionality, you may be unable to use our websites.

For the best experience and safest use of MIPS websites we recommend that you use the latest version of Internet Explorer, Google Chrome or Safari.

Copyright protection

The content on this website, including site layout, functionality, design, text and images are protected by Australian and international copyright laws. You may print or download content from this website for your personal, non-commercial use, provided you keep all copyright and disclaimer notices intact. 

You must not post materials on the site unless you are the owner of the copyright or have the express permission of the copyright owner to post it.

Linking to other websites

This site has hyperlinks to other entities’ websites, including links to other entities’ websites which use the MIPS logo.  Those sites are not MIPS websites.  The provision of the links or the use of the MIPS logo is not an endorsement, recommendation, approval or guarantee by MIPS of the entity named in, or of any of the services or goods offered on, or any of the content of such sites, unless MIPS has said so on this website.  MIPS is not responsible for any services or goods offered or any content on such sites, or for the acts or omissions of those named on those sites, or for any damage or loss incurred or suffered by you arising out of, or in connection with your use of the link or the offers made by such sites,  except to the extent MIPS says so on this website. When you click on a link and leave the MIPS website you will be subject to the terms of use and privacy policies of the other websites you visit.

Information provided

The medical and legal information on the MIPS Website is not comprehensive and is intended to provide a general outline only.   It does not take into account the physical state, medical status and/or health requirements of any individual which are relevant to the proper diagnosis and treatment of any condition or disorder nor does the information take into account the specific facts relevant to any legal issue. Consequently, you should never use or act upon this information without first properly consulting, and seeking proper information and advice from, a qualified medical practitioner or a solicitor as the case may be. All material is provided as an information service only and should not be relied upon as a substitute for professional or commercial advice. MIPS does not give, or purport to give, any medical or legal advice, through this website.

MIPS expressly disclaim all responsibility for, and liability in respect of any particular circumstances the consequences of anyone's failure to obtain a proper medical examination and advice from a qualified medical or legal practitioner in the relevant circumstances. The opinions expressed by any health professional on this website are those of the relevant health professional and not that of MIPS. We accept no responsibility for them nor do we make any representations relating to the accuracy of any information placed on this website by any person whose comments and opinions are solely their own, or any such user's ability, knowledge, experience or professional qualifications.

MIPS does not exclude or restrict any rights or remedies available to you under consumer protection laws in relation to the provision of goods or services by MIPS via this website.  However, to the maximum extent permitted by law, MIPS is not liable for any loss caused, whether due to negligence, or arising under contract or tort, or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.  Where you are entitled to guarantees under the Australian Consumer Law, and MIPS has not complied with one or more of such guarantees, MIPS limits its liability to supplying the relevant good or service again, or paying the cost to have the good or service supplied again 

Disclaimer and limitation of liability

  • All Content is provided "as is" and without warranties of any kind, either express or implied
  • MIPS does not warrant that the functions contained in any content or your access to the Website will be uninterrupted or error-free, that any defects will be corrected or that the Website or the server which stores and transmits content to you are free of viruses or any other harmful components
  • MIPS does not warrant or make any representation regarding your access to, or the results of your access to, the Website (including any related or linked websites) or any Content in terms of correctness, accuracy, timeliness, completeness, reliability or otherwise
  • Under no circumstances (including, but not limited to any act or omission on the part of MIPS) will MIPS be liable for any indirect, incidental, special and/or consequential damages or loss of profits whatsoever which result from any use or access of, or any inability to use or access, the Website or any Content.  

Terms and conditions for MIPS competitions

Information on how to enter and prizes for all MIPS competitions form part of these terms and conditions. Any entry not complying with the relevant terms and conditions is invalid. Entry is open to residents of Australia who are over 16 years and are eligible MIPS members. Specific entry requirements and eligibility for each competition apply and are listed below. Employees of MIPS, associated companies, and their immediate families are ineligible to enter. MIPS reserves the right to verify the validity of all entries and reserves the right to disqualify any entrant for tampering with the entry process, including but not limited to making multiple entries, or for otherwise submitting an entry that is not in accordance with these terms and conditions.

MIPS is not liable for any loss or damage whatsoever which is suffered, including but not limited to indirect or consequential loss, or for personal injury suffered or sustained during the course of accepting or using the prize, except for any liability which cannot be excluded by law. Each entry becomes the property of the MIPS. All details will be held in accordance with the MIPS Privacy Policy which can be accessed by visiting mips.com.au/privacy or calling 1800 061 113. MIPS' decision is final and no correspondence will be entered into.

In the event that a prize item is unavailable despite MIPS' reasonable endeavours to procure within Australia, the Promoter reserves the right to substitute a different prize item of equal or greater value.

By entering the competition, each entrant agrees to the use of their entry statement for printing, broadcast, publicity and promotional purposes, including but not limited to MIPS’ website/s and social media pages without compensation, and agrees that MIPS will own all intellectual property rights, including copyright, in any such material. It is a condition of accepting any prize that the winner acknowledges that MIPS acquires the entry for use for its commercial purposes and agrees not to object to any such use on the basis of any moral right.

If for any reason this Competition is not capable of running as planned, whether caused by computer virus, mobile phone failure, line drop out, bugs, tampering, unauthorised intervention, fraud, technical failures or any other cause beyond the control of MIPS which corrupt or affect the administration, security, fairness or integrity of the Competition, MIPS reserves the right in its sole discretion, (subject to any written direction given by a relevant Regulatory Authority), to cancel, terminate, modify the Competition. MIPS will disqualify any individual who tampers with the entry process.

Entries are deemed to be received at the time of receipt into MIPS’ database. MIPS is not responsible for receipt of incorrect, inaccurate or incomplete information caused by an entrant or occurring during transmission. MIPS is not responsible for any problems or technical malfunction of any telephone, telephone or computer network, or lines, servers, or telephone or internet providers, traffic congestion on any phone or computer network, or any combination thereof, including any injury or damage to participants or any other person’s handset or computer related to or resulting from participation or sending or receiving of any communication or of any materials in this Competition.