Choosing the correct membership classification
Your MIPS membership classification comprises of your Category, Practice basis, Practice State and Endorsements.
For example:
Gross private billings/salary
You are required to provide an estimate of your level of Billings / Salary, and Hours. Together, these determine the healthcare that is covered by MIPS. More information on each element of your membership classification is provided below. You are required to accurately provide this information to us.
You should ensure your membership classification best describes the healthcare services you provide currently as well as for any prior practice in your risk history.
If your membership classification is incorrect or you do not provide the necessary information for MIPS to determine your membership classification, you may prejudice the membership entitlements available to you including insurance covers.
You are not entitled to the benefits of membership, including cover under the Indemnity Insurance Policy, for the provision of healthcare outside your membership classification or where you do not hold appropriate recognised qualifications, training, and experience.
Primary practice state
The MIPS membership benefits apply throughout all Australian states and its territories. However, your Practice state is where you generate most of your billings and/or salary in a membership period, or where you undertake most of your practice if you are employer indemnified.
Changing your practice type or location
You are required to notify MIPS of any change in the nature of healthcare services you provide or practice location as soon as you become aware of the change to ensure you do not prejudice your membership benefits including insurance covers.
Any change to your membership details may result in an amendment (additional fee or refund) to your membership fee.
You may also be required to sign a disclaimer confirming that you have notified or otherwise disclosed to MIPS all material matters when you seek retroactive changes to your membership.
Your category
Your category is based on your Ahpra registration. If you are a medical or dental practitioner, a specialist category will apply if:
- you hold a specialist registration with Ahpra; or
- you are undertaking a specialist training program; or
- you have a specialist qualification outside of Australia and you are practising under supervision before obtaining your Ahpra specialist registration.
If your specialty has more than one possible category (e.g. procedural or non-procedural), the category selected will be based on the treatments and procedures you undertake where you are not employer indemnified or under supervision. These treatments and procedures are listed under each respective category but are not exhaustive and may change from time to time.
Where you hold more than one Ahpra registration (e.g. both medical and dental), the category will be based on your practice that is not indemnified by your employer that carries the higher risk, as determined by MIPS.
Your practice basis
Your ‘Practice basis’ describes the type of practice you undertake. For example:
- If your practice is employer indemnified, not employer indemnified, or a combination of both.
- If you have obtained specialist registration, or you are currently undertaking or enrolled in a specialist training program.
- If you have completed your healthcare studies within the last five years.
- If you undertake practice that requires an endorsement.
Your endorsements
Your endorsements can either extend or restrict cover for certain procedures, or healthcare that is not included in your category.
Insurance cover is subject to the terms, conditions, and exclusions of the policy. The information provided is general advice only and does not consider your personal circumstances or needs. You should review the Member Handbook Combined PDS and FSG and/or contact MIPS on 1800 061 113, before making a decision. Information is current as at the date published.