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.
Support in the moments that matter
- 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
Extensive Cover
Our Professional Indemnity Insurance Policy is designed to provide you with peace of mind and extensive cover:
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*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.
Resources and Education for Residents/JMO’s
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:
- Applying for Junior Doctor Positions – 1-hour interactive, online education activity
- The challenging emotions of difficult news – 2.5-hour interactive online education activity
- Noteworthy: The How, What, Where and Why of Medical Documentation – 2.5 hour interactive online education activity
- Tips for approaching difficult conversations with a senior colleague webinar
- Loss leading to learning – teamwork responses to Jack & Dr Bawa-Garba’s case webinar excerpt
- Intimate Examinations: Respect and Responsibility webinar excerpt
How much does membership and insurance normally cost with MDA National?
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 |
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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.
Getting Started in Private Practice Discounts
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.
Am I covered for private locum work/surgical assisting?
Am I covered if I join a 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.
I’ve been advised I don’t have cover for public patients from my employer or hospital
Overseas Practice
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.
Support in Practice
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 peaceofmind@mdanational.com.au.