Insurance
    You are here: 
  • Home » 
  • Professional Indemnity Policy

Professional Indemnity Insurance Policy

This policy is designed for individual Medical Practitioners (including Interns). This policy is suitable for those in private practice as well as those who are employed in public hospitals.

Apply Now

The policy is an insurance product which, subject to its terms and conditions, indemnifies medical practitioners in relation to their provision of healthcare services for:

Private Practice Doctors

  • Civil liability claims
  • Good Samaritan acts
  • Liability for reports about others
  • Medical Board hearings and investigations
  • Coronial inquests and investigations
  • Disciplinary proceedings
  • Management of patient complaints
  • Professional Service Review Committee investigations
  • Vicarious liability protection (arising from the supervision of others)
  • Defence costs for alleged breaches of the Trade Practices Act 1974 (Cth) or Competition and Consumer Act 2010 (Cth)
  • Legal costs relating to certain employment disputes
  • Costs orders made by professional or administrative bodies
  • Allegations of sexual misconduct or criminal matters
  • Short term overseas practice (subject to approval)

Public Hospital/Employer Indemnified Doctors

  • Medical Board hearings and investigations
  • Coronial inquests and investigations
  • Disciplinary proceedings
  • Management of patient complaints
  • Professional Service Review Committee investigations
  • Costs orders made by professional or administrative bodies
  • Legal costs relating to certain employment disputes
  • Legal costs relating to seeking an Apprehended Violence Order 
  • Liability for reports about others
  • Allegations of sexual misconduct or criminal matters
  • Short term overseas practice (subject to approval)
  • Good Samaritan acts

In the event you do some private work (e.g. locum), you can easily and quickly extend your policy to cover civil liabilities arising from that private work, subject to underwriting approval.

The maximum amount of indemnity is for $20,000,000 in the aggregate for all claims made under the policy. The following sub limits apply to defence costs:

  • $500,000 in the aggregate for defence costs and costs arising out of investigations and inquiries, allegations of sexual misconduct and criminal matters
  • $150,000 in the aggregate for defence costs arising out of alleged breaches of the Trade Practices Act 1974 and Competition and Consumer Act 2010 or equivalent State Fair Trading legislation; legal costs arising out of certain employment disputes;legal costs incurred in seeking an Apprehended Violence Order and legal costs incurred in pursuing or defencing an internal complaint in relation to involvement in a training program approved by a Medical College.

To obtain a pricing indication for the Professional Indemnity Insurance Policy, please call Member Services on 1800 011 255

Please note that this policy is a Claims Made policy. This means that the policy will only respond to valid claims notified to us during the period of insurance. It is important that you report all circumstances that could give rise to a claim during the period of insurance. It also means that you should consider whether you need to have Run-off cover after you cease practice or your policy expires.

The policy will also have a retroactive date which means that it will only respond to matters that arise from the medical services that were provided on or after the retroactive date. It is important therefore you understand the nature of this cover and that you choose a retroactive date that meets your own particular needs.

For more information see Claims Made and Retroactive Cover.

Apply

To apply for a Professional Indemnity Insurance Policy download and read the relevant documents set out below and complete the online PIIP Application.