Articles and Case Studies

Support and Protection During Your Elective

17 Jun 2012

Are you planning your elective? Are you covered for your elective? We know there's a lot you need to organise when planning your elective but if your own medical indemnity isn't on your to-do list, you might want to consider adding it!

During your elective, you may perform tasks in medical training situations that potentially expose you to negligence claims or investigations.

With this in mind, it's a good idea to organise your own medical indemnity insurance.

Support, protection and guidance are integral to your career success. You are learning and it's common to feel out of depth, or worry about making an error of judgment on your elective.

Choosing an indemnity provider early in your career that best fits your long-term needs is essential because claims and investigations can occur years after the provision of medical services.

What about university cover?

Most universities hold insurance policies that provide some cover for medical students but this doesn’t necessarily mean you are protected for your medical elective. It's important you find out the details of the policy and feel confident that you will be adequately protected. For example, some university insurance policies may not cover practice undertaken outside of Australia or may exclude student electives. Some universities hold insurance policies that DO NOT provide any cover for medical students. So you could be left to fund your own legal advice in the event of an incident or claim that could cost tens of thousands of dollars.

In your world

If a medico-legal issue arises from your elective, your own medical indemnity insurance policy gives you access to independent representation to protect your interests and provide you with assistance, support and advice. The MDA National Insurance Student Indemnity Policy* provides indemnity for claims and investigations that arise from practice undertaken during a student elective. You can feel confident that you will be protected with features such as:

  • Cover for clinical placements, electives and scholarship placements anywhere in the world#
  • Access to independent legal representation who will act on your behalf

To find out about all the features of our Student Indemnity Policy.

How much will your own indemnity cost?

The MDA National Insurance Student Indemnity Policy is free of charge to Student Members of MDA National.

If you haven’t already, you can now apply online  and get instant confirmation or call 1800 011 255.


*Subject to the terms and conditions of the Student Indemnity Policy.

# Excluding USA or its territories unless it relates to Good Samaritan acts.

The MDA National Group is made up of MDA National Limited ABN 67 055 801 771 and MDA National Insurance Pty Ltd (MDA National Insurance) ABN 56 058 271 417 AFS Licence No. 238073. Insurance products are underwritten by MDA National Insurance Pty Ltd (MDA National Insurance) ABN 56 058 271 417 AFS Licence No. 238073. Before making a decision to buy or hold any products issued by MDA National Insurance, please consider your personal circumstances, and read the Product Disclosure Statement and Policy wording available at



My Career Journey with Dr Nick Coatsworth

Dr Nick Coatsworth is an expert in health policy, public administration and a practising infectious diseases physician. He held a national role in the Australian response to COVID-19 as Deputy Chief Medical Officer of Australia, becoming one of the most recognised medical spokespeople during the pandemic. Nick engaged the Australian community through a variety of media platforms most notably as the spearhead of the national COVID-19 vaccination campaign. Dr Micheal Gannon, Obstetrician & Gynaecologist, sits down with Dr Nick Coatsworth to discuss Nick's medical career journey, and what insights and advice he has for junior doctors. MDA National would like to acknowledge the contributions of MDA National staff, Members, friends and colleagues in the production of the podcast and note that this work is copyright. Apart from any use permitted under applicable copyright law, you may not reproduce the content of this podcast without the permission of MDA National. This podcast contains generic information only, is intended to stimulate thought and discussion, and doesn’t account for requirements of any particular individual. The content may contain opinions which are not necessarily those of MDA National. We recommend that you always contact your indemnity provider when you require specific advice in relation to your insurance policy or medico-legal matters. MDA National Members need to contact us for specific medico-legal advice on freecall 1800 011 255 or email We may also refer you to other professional services.


09 Jun 2022

Career complications and contending with uncertainty

Among the many challenges of the COVID-19 pandemic for junior doctors is how to respond to medical training impacts and career uncertainty. In this podcast, Dr Caroline Elton (a psychologist who specialises in helping doctors)and Dr Benjamin Veness (a Psychiatry registrar) share advice for coping with medical training and career delays, disruptions and unknowns.


10 Aug 2020