Doctors Medical Malpractice Insurance

Retroactive cover to ensure you are protected

Our Insurer will provide retroactive cover (“tail cover”) for any prior practice you have undertaken.

Your practising activities covered

To minimise the potential for gaps in your insurance protection, our insurer has a broad healthcare services definition

Protecting your reputation

Our insurer will cover the costs of engaging a public relations consultant to help protect your reputation, and can contribute to legal costs if you want to continue defending a claim

Flexible Insurer periods and renewal dates

Renew with us at any time of year and choose extended Insurer periods of up to 14 months. Start benefiting from enhanced features now.

Defence Costs in Addition

Our Insurer provides an additional layer of protection with a reinstatement clause to ‘top up’ the Insurer if exhausted by a claim. Defence costs are also in addition so they do not erode the Insurer limit.

No gaps when returning from maternity leave

Mothers are eligible for the Australian Government Run Off Cover Scheme when on maternity leave but the scheme will not cover claims notified after a return from maternity leave. Our insurer’s tail cover means returning mothers face no unexpected gaps.

Public Patients Cover

Where your hospital or area health service does not indemnify you, we automatically cover public patient claims in your practise speciality

No membership fees or cancellation penalties

We do not charge membership fees or have onerous cancellation penalties or lock in provisions.

No billing bands or mid-term increases

If your gross billings are higher than anticipated, we do not put you in billing band categories or increase your premium mid-term.

Loss of income when attending court

While attending court or arbitration in relation to a claim we automatically cover your loss of earnings for time away from your practice.

Privacy risks

If you have a privacy breach, our Insurer can cover fines for breaches of privacy laws as well as the cost of notifying regulators and patients

Don’t let a statutory fine catch you off guard

In the event of fines levied against you for certain breaches of consumer, environmental and workplace health and safety laws, our Insurer can cover you for the defence costs

Emergency defence costs

Our Insurer will reimburse you for these costs until such time you could reasonably have notified the insurer If you need to engage lawyers in an emergency resulting from your healthcare practice.

Telemedicine

We cover telehealth services including instant electronic monitoring and real-time patient interactions.

Needle Stick Cover

We provide an automatic lump sum payment if you are diagnosed with a covered communicable disease and are required to retire, retrain or revise your practice.

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Medical Practitioners Professional Indemnity

• Satisfy AHPRA product standards
• Retroactive Tail Cover
• Private practice
• Public patients
• Participants in Run-Off Cover Scheme
• Coronial Inquiries
• Complaints and investigations
• Medicare audits
• Legal fees, costs and expenses
• Defamation
• Administrative staff cover
• Employment related disputes
• Communicable diseases
• Emergency legal costs