Practice Owners

Your practice's reputation is invaluable.

Whether your practice has a few staff, or you operate a larger practice with multiple practitioners and a team of practice staff, it is worth investing in a Practice Indemnity Policy.

Our Practice Indemnity Policy is designed to complement an MDA National Member’s own Professional Indemnity Insurance Policy. Our Policy can provide you with peace of mind that the liabilities of the insured business (the practice entity) and your employees are protected in the event of a medico-legal matter, claim or complaint against the entity or the employee. 

At MDA National, we offer competitive premiums and reductions for Practices with a majority of MDA National doctor Members. Practice indemnity does not have to be complex. We are here to help, so please contact us for more detail on 1800 011 255 or Or contact your local Business Development Specialist to arrange a personalised meeting to discuss your practice indemnity needs.

Cyber Risk Protection

*Cyber Enterprise Risk Management Insurance Policy is arranged by Marsh Pty Ltd (ABN 86 004 651 512 AFS licence number 238 983) underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020) and can be accessed by new and current MDA National Practice Policyholders. The Cyber Enterprise Risk Management Insurance Policy terms, conditions, exclusions, limits and deductibles apply. MDA National insurance products are underwritten by MDA National Insurance Pty Ltd (MDA National Insurance) ABN 56 058 271 417 AFS Licence No. 238073, a wholly owned subsidiary of MDA National Limited ABN 67 055 801 771. Before making a decision to buy or hold any products issued by MDA National Insurance, please consider your personal circumstances and read the Important Information and Policy Wording and the Supplementary Important Information and Endorsement to the Policy Wording available at  


Practice Indemnity Policy features1

Protection of the practice entity and its employees against civil liability claims or complaints which may arise from the provision of healthcare services including:

  • those provided as part of a Clinical trial or research project
  • unintentional privacy breaches
  • protection for reporting a healthcare professional or incident in good faith and in the public interest.

Protection of the practice entity and its employees for defending against any official proceedings, inquiry or examination such as those undertaken by a professional registration body or Medicare Benefits Scheme or other professional body. This includes cover for the legal costs of the professional body that the practice entity may be required to pay in the event of an adverse finding.

Protection for the Practice principal1 for claims and investigations when they have not been involved in the provision of the healthcare services in the capacity of a medical practitioner.

Cover for defence costs2 for:

  • unintentional infringement of copyright, trademark, patent or registered design
  • allegations of defamation 3,4
  • alleged breaches of Competition, Consumer or Fair Trading legislation
  • certain employment disputes.

Cover for replacement or restoration arising from Loss of documents3 including:

  • loss of, damage to or destruction of physical documents
  • the deletion, corruption or modification of any electronic document or data.

Choice of policy limits of $10 million or $20 million in the aggregate for all claims made under the policy.5

  1. Subject to the terms and conditions of the Practice Indemnity Policy.
  2. Subject to a sublimit.
  3. Defamation cover only applies in relation to the provision of healthcare services and does not cover intentional or malicious acts.
  4. Subject to a $20,000 policy excess for defamation claims except in limited circumstances.
  5. Subject to a maximum of $5 million or $10 million payable for any one claim depending on the limit of indemnity selected.

For more information on our Practice Indemnity Policy, please refer to our Practice Policy Wording

As a doctor-owned mutual since 1925, we understand the challenges you may face in private practice, and aim to support you and your Practice Manager over and above medical indemnity with through our:

  • Practical Risk Management Tools – we offer a broad suite of risk management tools to support you to identify medico-legal risks and implement effective change for better outcomes.
  • Cyber Risk Program - access to our Cyber Risk Program in 2018/19.
  • Practice Managers’ Update – annual updates to inform you, your Practice Manager and your practice staff of emerging risks in Australian medical practices, including topical medico-legal case studies.
  • Practice visits – your local Business Development Specialist is available to meet at your practice to discuss your medical indemnity needs at your convenience.
  • Support in Practice – our Support in Practice staff are available to visit you to provide practical risk management advice as part of the Support in Practice Program
  • CPD-accredited education for MDA National Members from online resources to group sessions.
  • On-site Education Sessions – MDA National aims to support our doctor Members by providing on-site education on request on topics like Online Communication and Telehealth.
  • Live Well, Work Well activities to promote work-life balance in your practice. Create your own practice team and register for one of our upcoming fun-runs or help raise funds and awareness for key medical-related charities via our Corporate Social Responsibility Program.
  • Experienced advisers and claims managers – with broad medico-legal experience, and several with healthcare and legal qualifications.
  • Up to 20% off medical publications, reference and text books for you and your practice staff.
  • Corporate Social Responsibility – giving back to our community, including a Charity of Choice association with beyondblue to help support workplace mental health.
  • Local presence, national support with offices in NSW, QLD, SA, TAS, VIC and WA.