Keep on caring.  We’re by your side. 

COVID-19 support for junior doctors

We recognise that the medical workforce is under immense pressure right now, and that you and your colleagues may be feeling the stress of unusual working conditions, disruptions to training programs and exam schedules or general uncertainty regarding your career progression.

Our priority is to support our Members in the moments that matter.

Our expert medico-legal advisers are on-call to guide you through any issue that you may encounter during this difficult time. 

We’ll be updating this hub regularly with FAQs and other important information to assist you during COVID-19.


Financial Support

Despite upward pressure on insurance premiums (as a result of increasing medical indemnity claim costs), and to ease some of the financial pressure our Members are facing, we have made the decision to freeze premium increases for 99% of our Members for the coming financial year*. Whilst this primarily impacts our Doctor in Practise Members, it also means that premiums for our various Doctor in Training categories will not change, including continuation of complementary insurance cover and membership for many.

Frequently asked questions

Refer back to this page to keep across all of the latest updates and information, and get in touch with our Medico-legal Advisory Service if you have any concerns.


Digital image prescriptions were introduced as an interim process to support COVID-19 telehealth consultations.

The Department of Health announced these, effective from 20 March 2020 to 30 September 2020. The steps for the doctor are:

1.  Create a paper prescription on a standard PBS script pad, or an electronically generated script on PBS provided paper. The script will need to be signed as normal or using a valid digital signature.

2.  Create a digital image of the prescription, such as a photo or pdf. The image must be clear enough to allow any barcode to be scanned.  

3.  Send the image by email, text or fax to the patient’s pharmacy of choice. Record that a digital image of the original prescription has been transmitted.

4.  Retain the paper prescription for 2 years.


Schedule 8 and 4(D) medicines such as opioids and Fentanyl are not part of this interim arrangement. 

If the patient prefers to receive the legal paper prescription,  the script can be posted to the patient.


Note that there are differences between states and territories - please refer to rules for prescriptions via telehealth in individual states and territories


Electronic prescribing, via the Token Model will start to become available in some states from early June 2020.


The basic steps are:


1.  The doctor offers and the patient chooses to receive an electronic script rather than a paper one 

2.  The doctor generates the script as a token (unique QR barcode) and sends it to the patient by SMS and/or email

3.  The patient takes or sends the token to a pharmacy, where the token is scanned and the medication dispensed 


Technical requirements:

•  Doctor/practice: 

  - capable prescribing software

  - registration with the Healthcare Identifiers (HI) service, having the associated unique healthcare identifier for organisations (HPI-O) and professionals (HPI-I)

  - a National Authentication Service (NASH) Public Key Infrastructure (PKI) certificate to allow secure connection with the HI service 

  - connection to a Prescription Delivery Service through a Prescription Exchange Service (eRx or MediSecure)

•  Patient: IHI (a unique 16-digit number assigned to all individuals enrolled in Medicare or the Department of Veteran Affairs, and already used for My Health Record)

•  Pharmacist: capable software


•  A token can only hold the prescription for one medication – multiple medications require multiple tokens

•  Once the token is scanned and used by a pharmacy to dispense the medicine, it is invalid and cannot be reused

•  Repeats: At the time of dispensing, a token for the next repeat will be issued by the pharmacist, for use at any capable pharmacy

•  Schedule 8 drugs and private scripts can be supplied this way

Electronic prescribing, via the Active Script List, will be available from late 2020. 

Updated: 1 June 2020

Telehealth (healthcare services provided over the internet, video conference or phone) is covered under your indemnity policy, provided both you and the patient are located in Australia and the service is provided in accordance with the guidelines of the Medical Board, the relevant College and Medicare.

Updated: 30 March 2020

Further changes to the MBS effective 20 July 2020, mean that telehealth GP providers will be required to have an existing and continuous relationship with a patient in order to provide Telehealth services.

A relationship is defined as the patient having seen the same practitioner for a face-to-face service in the last 12 months, or having seen a doctor at the same practice for a face-to-face service during the same period.

This requirement does not apply to certain areas in Victoria, children aged under 12 months and people experiencing homelessness.

Updated: 17 July 2020

Our understanding is that to claim the new MBS telehealth item numbers, the service has to be rendered from within Australia. However, detailed information is currently not available.

MBS Advice: (note: this advice relates to pre-COVID-19 telehealth consultations)

Telehealth patient-end support services can only be claimed where:

(a)  a Medicare eligible specialist service is claimed;

(b)  the service is rendered in Australia; and

(c)  where this is necessary for the provision of the specialist service.


You need a valid provider number for the location from which you are providing your telehealth service, bearing in mind your provider number is location specific.

Telehealth (healthcare services provided over the internet, video conference or phone) is covered under your indemnity policy, provided both you and the patient are located in Australia and the service is provided in accordance with the guidelines of the Medical Board, the relevant College and Medicare.

If you are undertaking any other form of telehealth services, please contact us on 1800 011 255 and speak to Member Services.

Updated: 19 March 2020

Documentation of telehealth consultations should contain the same level of detail as a face to face consultation, as well as the type of consultation and the patient’s location. The RACGP also recommends documenting information such as:

(a) the rationale for a video consultation instead of a physical consultation

(b) responsibility for any follow-up actions

(c) the presence of other parties and the patient’s consent for those parties to be present

(d) any technical malfunctions which may have compromised the consultation


Consent to conduct a telehealth consultation can be verbal or written, and the patient should be informed that telehealth has some limitations, for instance:


(a)  no physical examination

(b)  possible technical issues, e.g. poor image resolution impeding diagnosis, Wi-Fi dropout etc

(c)  security of the transmission may not be guaranteed (if using an app, is it encrypted?) and there is an extremely small risk it could be seen by a third party


The default position is that telehealth consultations are not recorded (by audio or video), just as face to face consultations are not recorded. If any part of a video consultation is recorded, written consent is recommended. An example of a written consent form is available at

If patients send in photos, they should be told how secure the process is (e.g. unencrypted email) and whether the photos will be stored in the medical records or deleted.

Updated: 19 March 2020

We anticipate that government indemnity will be extended to all medical students who are engaged /employed in public hospitals. We advise Members to ensure their engagement and contract terms clearly set out the terms of such indemnity prior to commencing any duties. Medical students also need to ensure that their Ahpra registration is appropriate to their circumstances.

MDA National is pleased to advise that we will extend cover for student members under the Professional Indemnity Insurance Policy to provide an additional layer of support and protection.  
Specifically for those MDA National student Members who are engaged to assist during the COVID-19 pandemic, we will extend indemnity  under the Policy to cover the costs of defending student Members against  hospital or professional body investigations or inquiries as well as employment issues in  accordance with the Policy terms and conditions.  

This means that any student Member of MDA National who has a Professional Indemnity Insurance Policy issued by us should contact us for advice if they are required to respond to any inquiry or investigation. 
This cover is provided at no cost to student Members.

Not a MDA National student member? Join for free here 

Updated: 3 April 2020

We are happy to confirm Members will be covered in the event of a claim or investigation arising as the result of (alleged) transmission of COVID-19.

It is expected that Members will comply with all relevant Government, Hospital and Health Department directives in relation to COVID-19.

Updated: 1 April 2020

As a doctor owned membership organisation, MDA National is very aware of the emotional and financial impacts that COVID-19 is having on the healthcare workforce.

We remain committed to be by the side of our Members and the wider medical community through this challenging period. To assist with the financial impact of COVID-19, we are freezing premium increases for 99% of Members for 2020-21 Policy Renewals. 

We are living in uncertain times, but you can be assured that MDA National is here to provide you with the support and protection you need, as you continue to provide outstanding patient care.

For more information on our premium freeze click here 

Professional indemnity insurance for training doctors

As a doctor in training, you may be indemnified by the state for medical negligence claims that could arise during your provision of medical care to patients in the public health system. However, there are several situations that may not be covered by the state:

  • disciplinary and administrative proceedings undertaken by a range of professional bodies
  • Medical Board and AHPRA proceedings
  • Coronial investigations
  • hospital inquiries
  • employment disputes


Having your own cover protects your best interests and gives you security in knowing you have a team of medico-legal experts behind you.

To find out more about your career stage policy cover Click Here

Health and Wellbeing during COVID-19

During a period of increased uncertainty, it is more important than ever to look after your own health and wellbeing. Below are links to our recommended health and wellbeing support sites and resources. 




Resource sites:

Training support and updates:


KEEP ON caring

We recognise the pressure you may be facing, with unusual working conditions. That’s why we developed the KEEP ON caring program as a small gesture of our support for you and your fellow frontline colleagues.

We have already delivered over fifteen hundred ‘My Muscle Chef’ meals and thirteen hundred coffee vouchers to hospitals across Australia. If you missed out, you can still save 10% off My Muscle Chef meals (up to 25% if you buy in bulk!) by using the discount code MDAN10 at the checkout.


COVID-19 Webinar series

Access the recording of our PANDEMIC PRACTICALITIES webinar from 8 April. The webinar includes our experts answering live questions from Members in relation to COVID-19. We will be updating this site with our upcoming webinars.


    Doctor in Training case study

    Did you know that each year, there is a 1 in 20 chance of you receiving a complaint from AHPRA? 

    No matter how experienced a doctor is or how successful they are in their career, this doesn’t prevent a complaint from being made. 

    Manager of Professional Services at MDA National, Julie Brooke-Cowden, says that it’s normal to feel concerned and upset when a complaint is made against you – particularly when you are just starting out in medicine.   Over the years, Julie has helped many young doctors through some of most challenging times in their career. She remembers one junior doctor whom she supported through the process of giving evidence at a Coronial inquest, following the death of a patient. 

    “Giving evidence in any sort of hearing, particularly when you're under pressure, is really difficult.”

    Julie recalls that at the end of the investigation, the doctor told her that if he didn’t have his own indemnity insurance with MDA National, he felt he could have lost his registration. 

    “You worry – especially if you haven’t been through the process, or don’t know anyone who has been through the process”.

    “Then you feel like you must be a bad doctor, or there must be something wrong with you. But most of the time, it’s just something that happens.”

    Here is a case study showing just how important it is to have your own medical defence organisation that you can depend on for advice.