Protecting Ophthalmologists since 1925

 

We tailor your policy and pricing to your practice specifics. A set of metrics will place you into one of our Policy Categories, including your:

• State of practice
• Specialty type and career stage
• Gross annual billings
• Claims/investigations from the last 10 years 

 

This data-driven approach ensures we can cover all claims now and into the future. As a member-owned mutual fund, we don’t profit from your premiums, and any margins are reinvested into our service, to the benefit of our members.

To learn more, review our Risk Category Guide, available in our Download Centre.

Your extensive MDA National Professional Indemnity covers you for civil claims, employment disputes, representation at a coronial inquiry and a wide range of medico-legal matters.

The following table is a brief summary of covers and limits. The summary wording should not be relied on as a full description of cover. Please refer to the Policy Wording† for full details of terms and conditions:

	Aggregate Limit of Cover for all Claims*
Defend you in civil legal proceedings brought by patients Defend you in civil proceedings alleging breach of privacy Defend you in civil proceedings arising from telehealth Defend you in civil proceedings when you have been acting as a good Samaritan Defend you in some civil proceedings whilst practicing overseas for limited time Defend you in civil proceedings arising from clinical trials Defend you against allegations of defamation Defend your practice in civil proceedings Pay the legal costs of defending you in professional negligence and some civil liability matters Pay civil damages you are ordered to pay in professional negligence and civil liability matters Pay costs you are ordered to pay	$20 million
We will...	Aggregate Sub-limits*
Represent you and pay legal costs when you are investigated by Ahpra or a professional services review committee Represent you and pay legal costs in inquiries relating to provision of healthcare services Represent you and pay legal costs when self-referring regarding a health impairment Pay costs you are ordered to pay with respect to covers for investigations and inquiries Represent you and pay legal costs in defending allegations of some sexual misconduct and criminal matters	$2 million
Represent you and pay legal costs in certain employment, credentialing and training disputes	$100,000 but for claims by you for unpaid remuneration we will not pay more than the amount reasonably sought by you
Represent you and pay legal costs when you are defamed	$100,000 (with Excess of $20,000)
Represent you and pay legal costs in obtaining AVOs on your behalf	$100,000
Defend you against imposed fines and penalties for breach of Privacy Act Pay fines and penalties imposed on you for breach of Privacy Act Pay notification costs for breach of Privacy Act	$250,000
Compensate you when you contract certain communicable diseases	$100,000 for Medical Practitioner
Pay you for loss of income in some circumstances	$20,000 (with a maximum of $2,000 per day for up to 10 days)
Cover you for loss of documents	$100,000

^*Provided that the Maximum Limit of Indemnity is not exceeded.
†A copy of the Policy Wording is available at mdanational.com.au/Downloads. 

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 Center.

For Doctors practising in both public and private settings, we provide automatic top-up cover to your public employer indemnity. This ensures you have comprehensive cover, wherever you’re practising, including:

• 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 visit our Download Centre and access our Professional Indemnity Insurance Policy Combined Financial Services Guide (FSG) Product Disclosure Statement (PDS) and Policy Wording.

If you undertake further training or volunteer overseas, in some situations, MDA National can provide an Extension of Cover. For more information refer to our Risk Category Guide available in our Download Centre. 

Our members and Practice Indemnity Policy holders have access to the Support in Practice (SIPP) team, who will work closely with practice managers and owners to provide curated support for any non-clinical needs of your organisation, including:

Planning Billing & Fees Advertising Privacy & Cybersecurity

Managing patient records Complaints handling Leadership & People management Internal management policies

 

The PSS is an Australian Government Scheme introduced to assist eligible doctors meet the costs of their medical indemnity insurance.

We work directly with the Department of Health and Ageing and Medicare Australia to ensure this process is easy and accessible for our members. 

Click here to find out if you are eligible.