Articles and Case Studies

Things You May Not Know About Professional Indemnity Insurance Policy

13 Jul 2012

Support, protection and guidance are integral to your career success. By becoming a Member with MDA National in your student years, you receive a lot more than just Medical Indemnity Insurance.

As a Medical Student you are learning and it's common to feel out of depth, or worry about making an error of judgment on your elective. One of the key services we make available to all our Members is our expert, 24 hour legal advice and representation, whatever the situation and wherever you are in the world.

Here’s an example:

While a MDA National student Member is on clinical placement in a regional community hospital, investigations into missing narcotic pain medications arise. The student Member is called in for questioning alongside several hospital staff, and as part of the investigative process is asked to provide a police statement.

Concerned by the implications of this case, the student Member contacts MDA National for medico-legal advice, guidance on making a police statement, and independent legal representation.

Think of Us as Your Medico-legal Lifeline

MDA National Membership is about more than Medical-indemnity. The knowledge that your MDA National representative – an advisor who is generally qualified in both healthcare and law – is only a phone call away, provides an enormous sense of security. In fact, your Member services extend to:

  • Extensive cover for clinical placements, electives and scholarship placements anywhere in the world#
  • Expert, 24 hour legal advice and representation for:

    • allegations of academic misconduct
    • investigations and inquiries
  • Medical Board, Royal Commission, professional body or Coronial Court proceedings
  • Allegations of criminal conduct or sexual misconduct o professional negligence claims arising from Good Samaritan acts worldwide
  • Local knowledge & expertise backed by our national presence.

Doesn’t my University provide Medico-legal insurance?

Most universities hold insurance policies that provide some cover for medical students, however this doesn’t necessarily mean you are protected for your medical elective.

In fact, 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.

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

How much will my own indemnity cost?

The MDA National Insurance Professional Indemnity Insurance 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.

And there’s more…

  • Free access to The Electives Network.
  • Student ambassadors & advisers.
  • Student specific-events.
  • Live Well, Study Well events.
  • Networking & Member Online Services.
  • Low cost premiums for interns and doctors in training.

Want to know more about your student membership and medical indemnity?

Nearly 20,000 Australian medical students and Doctors in Training are MDA National Members. Find out why by visiting, or contact our Member Services team on 1800 011 255.

# Excluding the United States of America and its territories unless it relates to Good Samaritan acts. 



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