Still looking for medical indemnity?

See why our members choose MIPS.

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Comprehensive Indemnity Cover

Providing you protection for up to $20 million in claims*

*The maximum amount we will pay in the aggregate per annual membership period.

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24/7 Medico-Legal Advice

Ability to speak with an experienced professional any time of the day

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Education

Access to accredited professional development (CPD) and on-demand learning.

PROTECTING YOUR PURPOSE in 3 easy steps

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2. Review your quote
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3. Apply to MIPS
MIPS membership ceases at 30 June each year. Check with your existing provider for cancellation fees. You can pay your membership fee by monthly instalments at no additional cost.

MIPS Medical Indemnity Membership Coverage

Our members’ needs are continually evolving. At MIPS, our medical indemnity insurance coverage is designed to reflect these changing requirements.
Our coverage offers up to $20 million per claim, providing you with comprehensive protection.

Please read the Member Handbook combined PDS and FSG for full details.

   
Area of Cover Clause/s Sub-limit*
Civil liability
Adverse clinical outcomes 4 No sub-limit
Breach of privacy 5 No sub-limit
Telehealth consultations 6 No sub-limit
Supervising others 7 No sub-limit
Reporting others 8 No sub-limit
Clinical trials and research projects 9 No sub-limit
Medical retrievals and repatriation 10 No sub-limit
Human rights or equal opportunity complaint 37 $15,000
Professional and disciplinary matters
Regulatory processes 11 No sub-limit
Coronial and other public inquiries 12 No sub-limit
Criminal matters 13 $500,000
Medicare investigations and audits 14 No sub-limit
Other billing investigations and audits 15 No sub-limit
Removal from proceedings 16 No sub-limit
Statutory breaches 17 No sub-limit
Mandatory reporting 18 No sub-limit
Employment, training and university disputes
Employment contracts and credentialling disputes 19 $100,000 combined sub-limit
Workplace bullying or harassment 20
Training program, professional association and university disputes 21
Pursuit matters
Defamation pursuit 22 $150,000 ($20,000 excess^)
Pursuit of indemnity 23 No sub-limit
Personal safety pursuit 24 $100,000
Pursuing an objection to a subpoena 25 No sub-limit
Removal of restrictions on registration 26 No sub-limit
Additional cover
Sole Practitioner entity and Practice Staff 27 No sub-limit
Contagious disease 28 $25,000
Cover for students
Student members 29 As above
* Sub-limits apply per Claim and in the aggregate for all Claims notified to Us in the Policy Period for each clause or group of clauses under an area of cover. The sub-limits shall be part of and not in addition to the maximum sum insured under this Policy. Where an alternative sub-limit or excess is noted on Your Member Benefit Statement, it is that sub-limit and excess that applies to Your cover under this Policy.   
^The excess of $20,000 reduces the amount payable by MIPS under the sub-limit from $150,000 to $130,000.

 

Medical Indemnity FAQs

We're here to protect and support members in some of their most difficult career moments.

 

Do you cover Telehealth?

Telehealth is covered in line with the Medical Board of Australia 2023 guidelines. However, it is important to note that in the case of asynchronous healthcare, MIPS requires a pre-existing clinical relationship with the patient and that members can interact synchronously if required. Telehealth is covered where you meet the terms and conditions outlined in the Member Handbook.

Do you cover practice outside of Australia?

You are covered for Healthcare You provide outside Australia where it is agreed with Us in writing or where You meet the first four conditions and one of the subsequent four conditions:

  • Where it is provided outside the United States of America (USA) or anywhere USA law applies (except for Good Samaritan Acts, which are covered worldwide); and
  • for no more than 120 days in aggregate within the Period of Insurance; and
  • in accordance with applicable laws and regulations for registration in that country; and
  • with appropriate local insurance cover in place (if this is required); and
  • where Healthcare was provided:
    • gratuitously as a volunteer for a charitable organisation or for disaster relief work; or
    • to members of an Australian sporting or cultural group, performing or participating in a competition, and to people travelling with them such as coaches or family members, but You are only covered with respect to Claims against You by members of that team or group who are Australian residents; or
    • as part of a clinical placement, rotation, or fellowship that is approved by an Australian Medical Council (AMC) accredited college for the purpose of qualifying as a specialist medical practitioner, but only where You are insured by Your overseas employer for civil liability; or
    • as specified under ‘Telehealth consultations’ or ‘Medical retrievals and repatriation’  



    You must notify Us in advance of Your travel if You intend to provide Healthcare outside Australia.


    For eligibility, terms, conditions, and exclusions refer to the Member Handbook.

Does MIPS offer Public liability or Cyber cover?

Benefits of MIPS membership do not extend to cover for Public liability or Cyber liability. We suggest that you contact a general broker for this requirement.

Can I put my membership on hold?

If you are temporarily ceasing practice in Australia, you can amend your membership to a ‘non-practicing’ classification which will provide run-off cover for your new matters that may arise from your past practice while you are not currently practising. Under a ‘claims made’ policy, you are only covered if you are a member at the time the claim is made against you and reported to MIPS. To update your membership details to run off cover complete the Ceasing Practice in Australia form.

Can I pay in instalments?

MIPS provides members with the convenience of paying their membership fee via a monthly direct debit instalment arrangement from their nominated account on the 15th day of each month from July to April. This payment method is available at no extra cost. To set up a direct debit instalment plan complete the online Direct Debit Request. Please ensure you read the Direct debit member agreement.

Can I put my membership on hold?

If you are temporarily ceasing practice in Australia, you can amend your membership to a ‘non-practicing’ classification which will provide run-off cover for your new matters that may arise from your past practice while you are not currently practising. Under a ‘claims made’ policy, you are only covered if you are a member at the time the claim is made against you and reported to MIPS. To update your membership details to run off cover complete the Ceasing Practice in Australia form.

Do you price match?

As a member-owned not-for-profit organisation, we consider equity in our membership fee structure, both at an individual and collective level. Consequently, MIPS does not engage in price matching or provide discounts.

Does MIPS provide practice entity cover?

Where you qualify as a Sole Practitioner under the Indemnity policy, limited cover is extended to:

• practice staff for claims that arise in connection with the healthcare you provide and,

• locum/temporary healthcare professional who is covering you while you are on leave

For eligibility, terms, conditions, and exclusions refer to the Member Handbook.

Abid Khan"When choosing a [medical indemnity] provider, I'm going with the people I know and trust"

Dr. Abid Khan - General Surgical SET Registrar
Northern Hospital, Victoria