There's never been a more important time to have a caring, financially stable, trustworthy medical defence organisation by your side.
We're committed to providing our Members with personalised advice and support when it matters, so you provide outstanding patient care.
Find out more about medical indemnity with MDA.
MDA National renewal 2026
This renewal, you might notice some changes to MDA’s processes. As a part of our commitment to deliver the best Member experience we have been updating our digital ecosystem. While our systems and processes are continually improving, there may be some minor issues during the transition.
Discounts
If you receive a discount, for example through an alliance or corporate agreement, or if you are in your first four years of private practice, we have applied your discount automatically.
For Members in their first four years of private practice, this discount is additionally combined with your highest other discount.
Other MDA discounts cannot be combined, and you will receive the highest discount that you are entitled to only.
Instalment payments
As part of updates to our payment options, instalment payments will no longer be available for Junior Doctors and Doctors in Specialist Training. When your policy renews on 1 July, payment will be due for the total premium.
If you’d like to discuss additional payment support or have any questions, please contact our Member Services Team on 1800 011 255 or email peaceofmind@mdanational.com.au.
New BPAY Biller Code
As a result of upgrades to our BPAY payment pathway, our biller code has changed.
What do I need to do?
- If you are using BPAY to make your payment, please ensure you are using the updated biller code
- Please do not use any saved BPAY details from previous payments
- If you are not using BPAY, there is no change to how you make a payment
Where can I find the new BPAY biller code?
Your payment options, including our updated BPAY biller details, will be included in your renewal notice, and our new BPAY biller code will appear in a section that looks like this:
What if I used the old payment details?
- Your payment will still come to MDA National, but it may take us longer to allocate your payment as it will need to be manually reconciled
- This may delay the issue of your Certificate of Currency, Certificate of Insurance or Tax Receipt documents
Please ensure that you update any saved BPAY biller code details before making payment.
Digital-only communication
As a part of our commitment to reduce environmental impact through sustainable practices, we’re asking Members if they wish to update their renewal communication preference to be digital-only.
If you currently have your renewal communications preference set to both digital and physical, you should have received an email and SMS from us with the option to easily update your preference.
Why go digital?
- Faster delivery of your documents via email with secure links
- Support for sustainable practices through reduced paper usage, printing and transportation
- Improved document convenience – access them anytime, anywhere, across devices
To read more about our Environment, Social and Governance initiatives, visit our Sustainability Impact webpage.
FAQs
Refer back to this page to keep across all the latest updates and information. Get in touch with our Medico-legal Advisory Service if you have any concerns or need to report a matter.
How are premiums calculated?
Ensuring the premium pool is full to cover all future claims is important to providing peace of mind to all Members. This includes:
- Adequate reserves or surplus of funds above what is required to cover all unforeseen circumstances.
- Collecting the right level of premium from all Members.
Determining what premium is required from Members collectively each year is based on what is required to:
- Cover the cost of claims (including projected claims costs).
- Cover the operational costs of running the insurance business.
- Adjustment for any income/loss that arises from investing the pool fund.
The premium individual Members contribute is not the same. There are several factors that broadly determine what is a fair contribution a Member should pay, based on the likelihood and potential cost of a future claim they may require from the premium pool.
Is my premium impacted when I call the medico-legal advice line?
No. The number of times that you call the MDA National medico-legal advice line does not contribute in any way to your premium.
We encourage you to seek the support of our medico-legal advisers, who can provide you with expert advice and support when you need it most.
Our national team of industry-leading doctors, lawyers and medical defence experts are just a click or phone call away, and available 24/7 (in emergencies).
Notification of an adverse incident does not have an impact on your premium (your premium is based on the number of claims and/or investigations you have had in the past 10 years - see our FAQs.
Is there anything that I can do to reduce my premium?
If your premium exceeds 7.5% of your private gross annual billings, you may be eligible for the Australian Government's Premium Support Scheme (PSS) which has been established to assist eligible medical practitioners to meet the costs of their medical indemnity insurance.
Additionally, we offer a range of payment options including quarterly and monthly instalments. All payment options will be outlined in your Renewal Notice.
If you wish to know if you are eligible, or have any other questions regarding the PSS, please contact our Member Services team on 1800 011 255 or at peaceofmind@mdanational.com.au
We will also consider requests for broader financial assistance in meeting premium payments on a case-by-case basis.
How do medical indemnity claims impact insurance premiums?
Escalating costs and frequency of medical indemnity claims have caused indemnity premiums to increase in Australia and globally. Read more on why medical indemnity claims are on the rise.
Why medical indemnity claims are on the rise and what are the impacts on insurance premiums?
Find out more here.