Getting the correct membership classification

Choosing the right one

Your MIPS membership classification is made up of your category, practice basis and endorsements. This determines the extent of your practice that is indemnified.

For example:

Category

General Practitioner

Basis

Gross private billings/salary

Endorsements

Minor cosmetics

Primary practice state

Western Australia

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.

The benefits of MIPS membership apply throughout all Australian states and territories. Your practice location should reflect where you generate the majority of your non-employer indemnified (private) practice gross billings/ and or salary in a membership period or where you undertake the majority of your practice (hours) if you are employer indemnified.

If you undertake work (eg locums) in multiple locations, you should provide the state where you intend to undertake the majority of your work in a membership period. You may submit all queries regarding your membership classification and/or nature of practice to info@mips.com.au

General requirements

Members must practice within the constraints of any restrictions or practice conditions imposed by AHPRA or its healthcare practitioner boards and comply with guidelines and/or requirements issued by their registration body and colleges.

There is a general requirement that every member has the appropriate training, qualifications and experience for the healthcare services they provide and/or supervise and if required have appropriate supervision. This applies even if such services are normally provided by the majority of practitioners in the category.

Members are expected to undertake the provision of healthcare services in a facility that holds appropriate accreditation and have available appropriate resources for the range of services that will be provided.

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 should reflect your AHPRA registration or the specialty in which you are undertaking an accredited training program (or unaccredited registrar position).  Members who hold multiple healthcare registrations or specialties must select a category that appropriately reflects the highest risk practice. Contact MIPS to determine the higher risk category.

Some categories will be determined by the description of the level of practice within your specialty in a non-employer indemnified (private) setting, for example procedural or non-procedural. Where a category includes a list of treatments and procedures these are not intended to be exhaustive and may vary from year to year dependent upon our claims experience, treatment developments and innovations, views of colleges, professional associations and AHPRA, claims expectations and views of insurers and reinsurers.

Some types of practice may be excluded when undertaken in a non-employer indemnified (private) setting. Categories may contain exclusion(s) and you should check these carefully.

For a full list of categories see the relevant sections of the Membership Benefits Handbook:

Your practice basis

You will be required to provide information regarding the level and type of practice you undertake to determine an appropriate practice basis.

The type of information we require to determine your practice basis includes but is not limited to your level of training, the amount you bill annually for non-employer indemnified (private) services, the type of non-employer indemnified (private) services you undertake or if you are fully employer indemnified for all your practice.

For more information on each of these bases see the Membership Benefits Handbook.

Practising basis

  • Clinical training/study
  • New graduate
  • Recent graduate
  • Registrar
  • Employer indemnified only
  • Dentist in training
  • Gratuitous services only
  • Gross private billings/salary
  • Hours per week
  • MIPS Protections Plus
  • Non-operating surgeon
  • Non-practising
  • Reciprocal
  • Surgical assisting only

Run-off basis

  • Extended reporting period (ERP)
  • ERP Loyal
  • ROCS
  • ROCS past private practice

Your endorsements

Some types of practice you undertake may require an ‘endorsement’ to extend or restrict your coverage. For more information on each of these endorsements see the Membership Benefits Handbook.

  • Minor cosmetics extension
  • Spinal surgery extension
  • Non-specialist undertaking procedural GP activities
  • Bariatric surgery extension
  • Gratuitous services Australia
  • Employer indemnified outside of Australia
  • Gratuitous services outside of Australia
  • Sporting & cultural outside of Australia