We’re committed to providing our Members with unwavering care and support in the moments that matter, so you can keep on practising with confidence.

Support in the moments that matter

Our immediate priority will always be to provide timely, practical and expert medico-legal support and advice, when you need it most.  With MDA National, you have the support of industry-leading doctors, lawyers and medical defence experts who are just a click or phone call away. Our highly experienced team are always ready and available to provide you with personalised medico-legal advice on call in emergencies.

Providing protection to our Members for over 95 years, we remain committed to supporting you in the moments that matter, so you can keep on practising with confidence and providing outstanding patient care.

  • Expert medico-legal advice
  • Individualised support
  • Unwavering Member care
  • Comprehensive protection
  • Owned by Members, run for Members
  • By your side today, and into the future. 


Read what our Members say about us!


Doctors in Private Practice

MDA National’s Professional Indemnity Insurance Policy is designed to provide you with peace of mind and extensive cover to protect you from medico-legal risks that may arise from your provision of healthcare services to patients:

  • 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
  • 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

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*. 

$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  

The cost of your medical indemnity insurance with MDA National will be determined depending on the type of speciality practice or procedures you undertake, the amount of gross annual billings and state in which you primarily practice.

Please refer to our Risk Category Guide  to see which category suits your practise best, contact our Member Services team on 1800 011 255 (8:30am to 8:00pm Monday to Friday AEST) or your local Business Development Specialist can assist you with any questions you may have or guide you through the quote or application process.

MDA National provides timely education to help our Members minimise their medico-legal risk and continually improve their communication and non-clinical skills. Our resources include CPD accredited e-learning and face-to-face education. To find out more about the range of topics covered, or to book an education session for your practice, association or college meeting, visit our Education Activities page.

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. 

MDA National's Practice Indemnity Policy is designed to complement a doctors' own Professional Indemnity Insurance Policy and covers the liabilities of the practice entity and its employees in relation to the healthcare services provided by the practice. This can include; reception staff, practice managers, allied health professionals, nurses, and vicarious liability arising from contractors or tenants.

Cover includes complimentary cyber risk cover, defence costs for employment disputes and 24/7 medico-legal advice for practice managers and reception staff. Additional discounts of up to 50% are available if the doctors are also members of MDA National for their individual professional indemnity insurance.
For more information on our Practice Indemnity Policy, please click here.

 It’s not easy managing the day to day of your own private consulting rooms with so many things to consider. As an MDA National 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.  A consultation is tailored to meet your medico-legal needs and can include specific areas of concern.

If you are continuing a public hospital appointment as a specialist, together with private specialist practice, our policy provides automatic ‘top-up’ cover outside of that provided by the state government or public hospital. This includes cover for:

  • fines and penalties for unintended breaches of the privacy act
  • legal costs for investigations (including Professional Services Review Committees, AHPRA, Pharmaceutical Benefits Scheme, Medicare, Health Care Complaints Commissioner), inquiries, self-referrals to a health program, sexual misconduct and criminal conduct
  • pursuit and defence of defamation matters
  • communicable disease cover
  • legal costs for seeking an Apprehended Violence Order against another
  • legal costs for breaches of competition, consumer or fair-trading legislation
  • legal costs of employment and credentialing disputes
  • legal costs of medical college training disputes
  • loss of documents cover
  • loss of income cover for attending a hearing at court with respect to a civil liability claim against you

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.

If you intend on undertaking additional fellowship training, specialist practice, 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 on our automatic inclusions and extensions to your cover please refer to our Risk Category Guide available from our Download Centre.

Premium Support Scheme Eligibility

MDA National Insurance has entered into an agreement with the Department of Health and Ageing and Medicare Australia to administer the the Premium Support Scheme (PSS) on the government's behalf.

The PSS is an Australian Government Scheme introduced to assist eligible doctors meet the costs of their medical indemnity insurance. For further information and to determine eligibility, click here.

Prefer to speak to us in person?

Medical indemnity can be complex. We are here to help, so please contact us for more detail on 1800 011 255 or email peaceofmind@mdanational.com.au.

Apply online today or contact your local Business Development Specialist to arrange a personalised meeting to discuss your medical indemnity needs.

MDA National Insurance Pty Ltd (MDA National Insurance) is a general insurer authorised by the Australian Prudential Regulation Authority (APRA). MDA National Insurance Pty Ltd holds an Australian Financial Services Licence Number 238073, issued by the Australian Securities & Investments Commission (ASIC) and is authorised to advise and deal in general insurance products. Members of MDA National have access to insurance policies issued by MDA National Insurance.

For information on commercial and domestic insurance products, visit the website of AMA Financial Services (when clicking you will be leaving the MDA National website, MDA National does not accept any responsibility for the content displayed) or call them on 08 9273 3077.


Starting in Private Practice

When commencing in private practice as a specialist for the first time, you’ll be eligible to receive our Getting Started in Private Practice discounts for your first 4 years, providing you with a discounted premium whilst you focus on building up your private practice and patient base.

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.



*This offer is only open to eligible applicants, being those who satisfy the eligibility criteria . The offer applies over two policy periods – the first policy period being 1 January 2021 to 30 June 2021 and the second policy period being 1 July 2021 to 30 June 2022.  The availability of the offer to eligible applicants over each policy period is subject to the terms and conditions of the MDA National Insurance Professional Indemnity Insurance Policy and underwriting approval, with the availability of the offer to eligible applicants over the second policy period also being subject to renewal being offered and accepted for that period.  Subject to the conditions referred to above being satisfied, a 15% reduction will be applied to the Insurance Premium and Membership Subscription otherwise payable by the eligible applicant for each policy period. The premium reduction may be subject to minor variations due to rounding and cannot be claimed in conjunction with, or in addition to, any other premium reductions, offers or discounts.  The offer is not available to existing members.

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 Product Disclosure Statement and Policy Wording and the Supplementary PDS and Endorsement to the Policy Wording available at mdanational.com.au.