- How do I apply for cover?
- How do I know which risk category is right for me?
- What is retroactive cover?
- Am I covered if I practice overseas?
- What are Gratuitous Services and do I need indemnity to cover them?
- Why do I need cover if I'm working in a public hospital and am indemnified by my employer?
- What is Run-off Cover?
- How much will my Professional Indemnity Insurance Policy cost?
- What are Gross Annual Billings?
- What is the PSS?
- What is ROCS?
- How do I obtain a quote?
- What payment options do you offer to Members?
- What risk management activities do you offer to Members?
- What services do you offer on Member Online Services?
- How do I access my login details for Member Online Services?
- How can I request information about your Products and Services, provide feedback or get support for using your website?
You simply need to complete the application and proposal form and return this to us by mail, fax or email. Click here for a copy of the application pack or call Member Services on 1800 011 255 if you would rather receive a copy in the post.
Please ensure your read our Combined Financial Services Guide, Product Disclosure Statement and Policy wording available from the download section of our website or by contacting our Member Services team before making any decisions about purchasing this product.
How do I know which risk category is right for me?
It is important to select the category that most accurately describes your field of practice as this will determine the premium you pay and the level of cover you will have. The MDA National Insurance Risk Category Guide for Medical Practitioners is available from the download centre on our website. This guide sets out all risk categories available from intern through to private practice consultant categories. If you are unsure whether or not a particular aspect of your practice is indemnified under a risk category, you should contact our Member Services team for clarification.
It is important to be aware that in order to have adequate protection for the areas of your practice for which you require our indemnity, you must select the risk category which corresponds with the highest risk activity you undertake.
What is retroactive cover?
Retroactive cover is cover for claims, investigations or inquiries which arise from healthcare services provided prior to the inception date of the policy, where you first become aware of such a matter during the period of insurance. The retroactive date on the policy determines how much of your prior practice is covered under your policy. The retroactive date is specified on the policy schedule.
If you do not acquire adequate retroactive cover and a claim arises from your work prior to the retroactive date, you will not have cover from us for that claim and may have to pay the claim (or your proportion of the liability) including all associated defence/legal costs personally.
You should be aware that if you purchase retroactive cover, your policy will not respond to claims that have been made against you at the time of your application. Nor will your policy respond to any other matter that you were aware of, or ought reasonably been aware of at the time of your application.
If you are planning to work overseas and you require indemnity under your policy for this practice, you may complete an overseas cover request using our Member Online Services or submit a written request for an extension of cover, including details of the country or countries in which your practise will take place, the nature of your practise, any billings or income (in AUD$) you will generate from this work and whether or not you will have access to local indemnity from any source. All applications for extension of cover are subject to underwriting approval.
Please note that we do not extend cover for: practice undertaken within the United States of America or its territories and obstetric practice in Ireland.
What are Gratuitous Services and do I need indemnity to cover them?
Gratuitous Services are healthcare services for which no income is received and there is no expectation of reward or compensation. They may include things such as Good Samaritan and volunteer acts, prescription writing and/or referral writing.
If you retire from medical practice and become eligible for the Run-Off Cover Scheme (ROCS), ROCS will not cover you for matters arising from Gratuitous Services you provide after entering the Scheme. However, when you cease to provide Gratuitous Services ROCS will provide cover for past incidents arising out of Gratuitous Services. If you are not eligible for immediate entry into ROCS and you decide to purchase Run-Off cover from us, you will have access to indemnity for any Gratuitous Services you may provide after your last day of renumerated practice.
If you do not require Run-Off cover from us, we can still provide you with indemnity for Gratuitous Services that you may continue to provide. For further information, please contact our Member Services team.
If you work full time in the public health system, you will most likely be indemnified by the State for medical negligence claims which arise from this work. Any other cover you receive will vary based on your employer and your individual employment agreement; however there may be situations where the indemnity provided by your employer does not extend to protect you.
The Professional Indemnity Insurance Policy issued by MDA National Insurance can provide you with your own professional indemnity cover for investigations and inquiries undertaken by a professional body, health services authority, tribunal, Royal Commission, Coroner's Court, criminal court, health or medical benefits fund or Anti-Discrimination Board, Professional Registration Board or Professional Services Review Committee Investigations. Effective 1 July 2010 the policy will provide indemnity cover for legal costs arising from certain employment disputes as well as claims and defence costs arising out of allegations of a breach of the Trade Practices Act up to a specified sub limit. For further information please contact our Member Services team.
What is Run-off Cover?
Run-off cover is a form of cover generally taken out by professionals when they retire or in the event they stop practising for a significant period of time. Medical negligence claims can be made against a medical practitioner years after the healthcare services were provided.
Run-off Indemnity covers valid claims that are notified to us in writing during the period of insurance and where the incident that gave rise to the claim, investigation or inquiry occurred on or after your retroactive date and prior to the date you ceased practising.
If you would like to find out more about Run-off cover, please contact our Member Services team to discuss your individual circumstances.
When considering Run-off Cover, you should be aware that the Australian Government has a statutory Run-off Cover Scheme (ROCS) which means you may not need to purchase Run-off cover from us.
How much will my Professional Indemnity Insurance Policy Cost?
The total insurance premium is made up of the basic premium, the ROCS Support Payment and Government taxes and charges. The basic premium will vary depending on the risk covered. We use a system of rating factors to calculate this component including:
Your specialty or field of practice;
Your gross annual billings;
Your retroactive date and the field of practice undertaken in that period; and
The state(s) in which you practice.
Other factors that could affect the total cost of your policy are:
The Premium Support Scheme Subsidy; and
Administration charge if paying your premium by quarterly instalments.
What are Gross Annual Billings?
Gross Annual Billings are the total billings generated by you from all areas of your practice for which you require medical indemnity cover from us within the policy period (that is, work performed in your name or work for which you are personally liable, including but not limited to Medicare benefits, payments by individuals, payments by the Commonwealth Department of Veterans' Affairs, workers' compensation schemes and third party and/or vehicle insurers) whether the funds are retained by you or not, and before any apportionment or deduction of expenses and/or tax. Do not include billings or income from healthcare services provided in the public system for which you are indemnified by the public hospital or your employer.
What is the PSS?
The Premium Support Scheme (PSS) is an Australian Government Scheme introduced to assist eligible doctors to meet the costs of their medical indemnity insurance.
MDA National Insurance has entered into an agreement with the Department of Health and Ageing and Medicare Australia to administer the scheme on the government's behalf.
You may be eligible for the scheme if:
your gross indemnity costs for a premium period exceed 7.5% of your estimated or actual income; or
you conduct work as a Procedural General Practitioner in an area that is classified by the Department of Health and Ageing as a Remote, Rural or Metropolitan Area (RRMA) 3-7; or
you previously received a subsidy under the government's Medical Indemnity Subsidy Scheme (MISS) and continue to work in the same specialty; or
you conduct work only in the public sector (thereby earning no income from private practice) but have a contract of insurance which provides run-off cover or retroactive cover for incidents that occurred in connection with past private medical practice. This does not include an insurance contract which only provides cover for medico-legal costs and/ or damages in respect of gratuitous services; or
you work primarily in the public sector but obtain medical indemnity cover for private medical services (which are not indemnified under a right to private practice agreement) and the gross billings from that private practice is greater than $1,000
Further information about the details of the Scheme can be found here.
What is ROCS?
From 1 July 2004, the Australian Government introduced a Run-off Cover statutory indemnity scheme for doctors who practise in Australia. The scheme provides Run-off Cover to certain eligible doctors without the requirement for premiums to be paid once the doctor is eligible.
You are eligible for ROCS if you:
are aged 65 years and have retired permanently from private medical practice;
have not engaged in private medical practice at any time during the preceding period of 3 years;
have only ever worked in public medical practice and have not undertaken any paid medical practice at any time during the preceding period of 3 years;
have ceased (temporarily or permanently) medical practice because of maternity;
have ceased medical practice because of a permanent disability; or
have left Australia permanently having practiced in Australia on a Visa sub-class 422 or 457.
A doctor's estate will also be eligible for ROCS after the doctor's death.
ROCS indemnity will apply in exactly the same way as your final medical indemnity policy would. Accordingly, if you have any gaps in cover in your final policy, these gaps will remain uncovered once you become eligible for ROCS.
More information on the scheme is available on request or from the Department of Health and Ageing at http://www.health.gov.au/
How do I obtain a quote?
You can call Member Services on 1800 011 255 to receive a pricing indication over the phone, or alternatively you can submit an online enquiry and we will send a pricing indication and application pack in the post for you.
We will provide you with a formal quotation once we have received and accepted your completed proposal. In most circumstances you can you can expect to receive a response from us within three to five working days of us receiving your completed proposal.
Annual payments via credit card (Visa, Mastercard, Diners and AMEX accepted), direct debit from a credit card or bank account, BPay and cheque;
Quarterly payments via direct debit from credit card or bank account or
Monthly payments via Pacific Premium Funding.
To further discuss the payment options offered please feel free to contact our Member Services team on 1800 011 255.
MDA National offers a wide range of Risk Management activities for our Members. Visit our Risk Management section for more details
View and update your details - update your personal details such as your address or provider number online.
Renew and pay online - in a few easy steps you are able to renew and make payment for your Professional Indemnity Insurance Policy online and in total security.
Online Notification of Incidents - incident reporting is important and you should inform us as soon as possible of any incident.
Certificate of Currency - as part of your practice you may be required to provide proof of indemnity. If you have a current Professional Indemnity Insurance Policy with us, you can download and print a Certificate of Currency online.
View your risk category history - you can review the risk category history associated with your insurance cover for the past three years
Premiums Support Scheme (PSS) Application - if you wish to apply for the PSS, you can complete and submit your application online.
Practice Assessment Tool - you can complete a Risk Management Practice Assessment Tool online; this activity will meet your Risk Management requirements if you have applied for the Premium Support Scheme.
Overseas Cover Request - if you are planning to practise overseas and require indemnity, please complete and submit an overseas cover request online. We will assess your request and contact you to discuss.
View upcoming Risk Management events in your area.
You can register by clicking on the "Register Online Now" button. This will take you to the registration form. Enter your Member number, surname and date of birth into the registration form and press the "Submit" button. Your interim access details will be emailed to you. The email address we will use is the one you have previously provided us with.
Alternatively, if you wish to receive your interim password over the phone, please contact our Member Services team.
How can I request information about your Products and Services, provide feedback or get support for using your website?
Visit our Contact Us page and choose your preferred way to get in contact with us, via email, phone, fax or using the available online form. Here you can send us your feedback, ask for support with our website or request further information about our products and services.