Supporting you with 18 months Membership and Insurance cover from 1 January 2021, for the cost of 12 months.

Who is eligible for this offer? 

  • Doctors who are Post Graduate Year 4/5 (including those on an accredited training program) - that’s $50 for 18 months cover
    To take advantage of this offer simply complete our online application and receive immediate confirmation, ensuring you enter the promotional code 18FOR12
  • Doctors who are Post Graduate Years 6+ and on an accredited training program completing their initial specialist qualification or employed in an unaccredited registrar position - that’s $150 for 18 months cover
    To take advantage of this offer simply complete our online application form below. Subject to approval, we’ll send you a policy proposal for acceptance and payment within 3 to 5 business days of receiving all required information.


Why do I need my own cover?

As doctor working in a public hospital you will usually have access to cover through your employer or state government, however hospital indemnity may not provide the broad cover you need. Without your own indemnity cover, you could be liable to personally fund some medico-legal matters. It is important you have access to independent legal advice or a second opinion to protect your best interests. Some of the issues we commonly assist with include: 

  • AHPRA health complaints or investigations
  • disciplinary matters
  • coronial inquests
  • medical college training disputes
  • employment disputes
  • bullying and harassment
  • medico-legal advice including ethical dilemmas, police statements, confidentiality and privacy

If you’re still unsure about why its important to hold your own indemnity insurance, read our helpful article Do I really need an MDO? by doctor, solicitor and medico-legal advisor Dr Julian Walter.


  • 24-hour medico-legal advice– expert medico-legal specialists on call, for any queries that may arise
  • MDA National App – keeping us by your side. Update your policy details on-the-go, listen to podcasts, watch webinars, read case studies, and connect directly with our medico-legal experts via LiveChat 
  • Member Online Services– access your insurance documents at your convenience, update your details and explore Member-only resources and online education. 
  • Accredited education– gain CPD (continuing professional development) points from our extensive suite of education, which we believe is unrivalled in Australian medical indemnity today.
  • Experienced medico-legal advisers and case managers – with broad medico-legal experience, and healthcare and legal qualifications.
  • Member discounts on eligible nib Travel Insurance policies and medical education texts through Elsevier Health, CRC Press and Oxford University Press
  • Industry events– – in addition to hosting our own events such as medico-legal round tables and CPD accredited education, we participate in supporting the profession across the country via sponsorship, and by providing education to the broader medical profession.
  • Doctors for Doctors Program– cconfidential peer support during medico-legal matters, exempt from mandatory reporting including complimentary and confidential professional support from an independent psychiatrist, should you need it during a medico-legal matter
  • Access case studies and medico-legal blog posts to keep you informed with relevant, pertinent and practical medico-legal advice in our MDA National Library or subscribe to receive them directly in your inbox
  • Corporate Social Responsibility– giving back to our community, including a Charity of Choice association with Beyondblue to help support doctors’ mental health. 
  • Local presence, national support – our Member Services team are available from 8:30am to 8pm AEST Monday to Friday, or contact one of your local Business Development Specialists

Our Professional Indemnity Insurance Policy is designed to provide you with peace of mind and extensive cover: 

Up to $20 million cover for civil liability claims
made against you arising from your provision of healthcare services. You are also covered for the  legal costs incurred in defending you for those claims. This includes claims against you: 

  • made by a patient or a third party arising from your provision of healthcare services 
  • arising from Good Samaritan acts worldwide
  • resulting from unintended breaches of privacy legislation
  • arising from you reporting another healthcare professional in good faith and in the public interest
  • involving a practice entity in which you have an ownership interest
  • arising out of your provision of healthcare services in a clinical trial
  • arising from overseas practice in certain specific circumstances
  • arising out of allegations of defamation made against you


Sublimit of $2,000,000 arising from legal costs* for: 

  • investigations by a Registration Board or Professional Services Review Committee
  • inquiries including proceedings by
    • a professional body,
    • health services authority,
    • medical tribunal,
    • Royal Commission,
    • Coroner's Court,
    • criminal court,
    • health or medical benefits fund,
    • Medicare,
    • the Australian Information Commissioner or Anti-Discrimination Board (or equivalent)
  • a professional or administrative body that you are required to pay
  • allegations of criminal conduct or sexual misconduct*
  • assistance with self-referral to a health program under the National Law in relation to an impairment that affects your provision of healthcare services or your clinical training  


Sublimits of $100,000 * for legal costs arising out of each one of the following:

  • cover for certain employment and credentialing disputes* 
  • disputes in relation to your involvement in training with a medical college
  • pursuing defamation allegations by you in relation to your provision of healthcare services.*
  • seeking an Apprehended Violence Order
  • defending alleged breaches of Competition and Consumer Act and fair trading legislation 


Sublimit of $100,000  for the replacement or restoration of lost or damaged documents or data related to your provision of healthcare services*. 

Sublimit of $100,000 cover for a range of communicable diseases payable as a lump sum one-time payment.* 

Sublimit of $250,000 for fines, penalties and mandatory notification costs arising out of an unintended breach of privacy legislation.* 

Sublimit of $20,000 for loss of income up to $2,000 per day,
for a maximum of ten days, for loss of your personal income because of your attendance at court for the defense of a civil liability claim against you. 

*Subject to the terms and conditions of the current Professional Indemnity Insurance Policy 

^Subject to certain eligibility criteria. Specific covers may be excluded for overseas practice. 

#No cover for Cosmetic (other than procedures covered under the Non Procedural General Practitioner Category) or Obstetric work unless directly supervised by a medical practitioner qualified to perform such procedures.

For more information please read our Professional Indemnity Insurance Policy Combined Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Policy Wording and Supplementary FSG and PDS including Amendments to the Policy Wording from our Download Centre.

MDA National provides timely education to help our Members minimise their medico-legal risk and continually improve their communication and non-clinical skills.

Visit the MDA National library to see our full suite of articles, blog posts, webinars and podcasts. You will also find a series of PodCasts on Apple Music and Spotify.  Remember to subscribe to our medico-legal blog at the bottom of this page so you can stay up to date with short sharp blog posts relevant to the medical profession. 

Our member only education, accessible through our Member Online Services portal includes webinars, CPD accredited interactive e-learning activities and Face-to-Face Education on topics such as:

MDA National is committed to providing junior doctors with the support they need, starting with low membership and insurance premiums made possible by the broader MDA National membership. Our policy runs on a financial year basis from 1 July to 30 June. Please refer to the table below for our premium relating to your career stage:

Professional Indemnity Premiums tailored to your career stage 

Post Graduate Years 2 and 3                Complimentary
Post Graduate Year 4/5 (including those on an accredited training program) $50
Post Graduate Year 6+ and on an accredited training program or employed in an unaccredited registrar position $150
Starting in Private Practice  Reduced Premiums for your first four years
in private practice - starting with a premium
reduction of 80% in your first year.

If you are a member of the AMA in Queensland or Western Australia you may be eligible for further reductions'. Find out more

For more information on our junior doctor categories and eligibility criteria, please refer to our Risk Category Guide available from our Download Centre.

These rates are effective 1 July 2019 includes Membership Subscription, Insurance Premiums, ROCS Support Payment and relevant taxes.

Our discounts commence at 80% in your first year. If you commence private practice as a specialist between January and 30 June, you’ll receive the 80% discount for that period, and again for the following full financial year. Subsequent discounts are 60% in your second full year, 40% in your third and finally 20% in your fourth year, before reaching a mature premium.


Once you have a general AHPRA registration after completion of your internship, MDA National provides automatic cover for unlimited private locum work and surgical assisting, as long as you are undertaking the majority of your work in an employer indemnified position, or you are enrolled in and the majority of your practice is within your fellowship training program.

If you join an accredited training program, you will remain eligible for our Post Graduate categories and can undertake unlimited practice within your training program. Let us know which training program you are on by updating your policy information via Member Online Services, the MDA National app, or calling Member Services on 1800 011 255 (Monday to Friday 8:30am to 8:00pm AEST). MDA National’s policy coverage also includes medico-legal advice and assistance for medical college training disputes.

For more information on our junior doctor categories and eligibility criteria, please refer to our Risk Category Guide available from our Download Centre.

Occasionally, you may find that you are not able to access State or employer indemnity for the treatment of public patients in public hospitals. Under such circumstances you may apply for an extension of cover under your Policy by completing the Treatment of Public Patients Form, available from our Download Centre or by contacting Member Services to discuss your individual circumstances.

If you intend on undertaking a fellowship, additional training, or volunteer practise overseas, MDA National can provide an extension of cover in certain situations for additional peace of mind and protection overseas.

For more information refer to page 9 of our Risk Category Guide in our download centre for our automatic inclusions and extensions to your cover. 

As you progress through your specialist training working towards fellowship, you may be considering your options upon completion of your specialist training, such commencing in private specialist practice or opening your own consulting rooms or medical practice. 
 As a Member or Practice Indemnity Policy holder, our Support in Practice team are here to guide you through this process, so you can keep on focusing on providing outstanding patient care. 

Our Support in Practice service is designed to support and assist practices in identifying and assessing risks within their practice environment and implementing simple strategies to mitigate those risks.


Have a question?

Contact your State Business Development Specialist’s directly, phone our Member Services team on 1800 011 255 (8:30am to 8:00pm Monday to Friday) or e-mail