Final Year Medical Students & Interns

Supporting you in getting the best start to your internship, so you can keep on striving.

As a doctor owned organisation, we recognise there is a lot to think about as you enter your internship. No matter how big or small your concern, we can support you with outstanding expertise, compassion and understanding.

Why do you need your 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: 

  • medical college training disputes; 
  • medico-legal advice, including ethical dilemmas, police statements, confidentiality and privacy queries;
  • Ahpra health complaints or investigations; 
  • bullying and harassment; and 
  • coronial inquests. 
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.

 

Top 5 reasons for medico-legal advisory calls from doctors in training

Advice ethical dilemma 47% Employment issues12% medical records8%
Advice/Ethical Dilemma       

Employment Issues  

Medical Records             
Clinical incident  6%
legislation  7%
 
Clinical Incident

Legislation/Legal

 

Why doctors in training choose MDA National?

At MDA National, we understand the challenges you may face in medicine today and in your career ahead. We proactively support more than 60% of the country’s doctors in training* with competitive professional indemnity premiums, education, career development, our Ambassador Program, and regular networking opportunities.
 
With MDA National you are a click or phone call away from industry-leading doctors, lawyers and medical defence experts – always responsive, always confidential, always on your side. Some of our member benefits include:

  • 24-hour medico-legal advice – expertise and support when you need it most and no matter how small your query, with one case manager until your matter is resolved
  • MDA National app – an easier way to keep your membership and policy up-to-date, download your certificate of currency, access our latest articles, case studies, podcasts, webinars and connect directly with our medico-legal experts via LiveChat 
  • Complementary accredited education – gain CPD (continuing professional development) points from our extensive suite of education
  • 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.
  • Member benefits – Access member benefits including discounts on medical publications and textbooks 

Read what our Members say about us!

 

Not a Member?

If you are a Final Year Student join here to receive immediate complimentary cover until 30 June 2022.

Have a question or need assistance? Contact your local Business Development representative or our Member Services team on 1800 011 255 from 8:30am to 8pm AEST Monday to Friday.

 

Webinars and Videos


Do you know what constitutes a breach of confidentiality? Do you know how to manage inappropriate requests and maintain appropriate professional boundaries?

In this webinar, you will learn about managing boundaries and issues around confidentiality with patients. We will cover specific case scenarios such as accessing medical records of an ex-partner, senior colleague asking for a script for opioids, sharing videos of resus on social media, as well as answer your questions.

This webinar was recorded on 8 April 2020.

The information in this webinar recording and related resources is provided as a guide only and MDA National accepts no responsibility for how it may apply to your personal situation.

General enquiries or comments relating to this webinar should be emailed to marketing@mdanational.com.au.

If you have a specific medico-legal query freecall 1800 011 255 or complete our Contact us form. This is a service for MDA National Members.

 

Common questions for interns


As an intern, you will have access to cover through your employer or the 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. Focus on your internship knowing that MDA National will support you in the moments that matter, so you can keep on striving as your career progresses. 

Read more about the importance of medical indemnity

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.


As a new doctor, you're still learning and as an intern, you're likely to experience a number of first-time experiences such as:

•  your first coroners request or death certificate 

•  providing your first police statement

•  bullying from a colleague, harassment from a patient or a dispute with your employer

•  a medical board complaint or investigation

These scenarios are just a few examples of the many situations where you may find yourself unsure how to proceed or where to go for help. MDA National’s priority is to support you in these moments. We’re here to guide you through your journey as a medical professional, 24/7. To find out more about when you should call MDA National, read our “Don’t sweat the small stuff” article here.

MDA National will be there for you in the moments that matter, so that you can keep on excelling as your career progresses.


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Resources 

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

We’ve put together a handful of our resources particularly relevant to interns below. You will also find a series of Podcasts on Apple Music and Spotify.  


Articles and case studies 

Videos / webinar recordings

e-Learning activities

Other resources

  • Head over to the MDA National library to see our full suite of articles, blog posts, webinars and podcasts.

Have you downloaded MDA National mobile app yet?

Downloading the app is easy. Go to the App Store or Google Play and search for MDA National. Log into the app using your email address or Member Number and the password you use to access your MDA National Online Services account.

  

 

Please also see FAQ for your reference here