Market leading choice of cover incl. unlimited retro-active cover

Easy Switching Process and competitive premiums

24/7 Medico-Legal Hotline

Protecting your reputation is paramount

Your reputation has value. Policies can contribute to legal costs if you wish to continue defending a claim as well as the costs of engaging a public relations consultant to help safeguard your reputation.

Your practising activities covered

Your policy should have a broad healthcare services definition to minimise the potential for gaps in your insurance protection.

Option for no membership fees or cancellation penalties

There is an option to have an insurer that doesn’t charge membership fees or have onerous cancellation penalties or lock in provisions.

Retroactive cover to ensure you are protected

You policy needs to provide retroactive cover (“tail cover”) for any prior practice you have undertaken.

Loss of income when attending court

Your policy should automatically cover your loss of earnings for time away from your practice while attending court or arbitration in relation to a claim.

Privacy risks

Policies can cover fines for breaches of privacy laws as well as the cost of notifying regulators and patients if you have a privacy breach.

Don’t let a statutory fine catch you off guard

Protection can be provided for the defence costs and fines levied against you for certain breaches of consumer, environmental and workplace health and safety laws.

Emergency defence costs

If you need to engage lawyers in an emergency resulting from your healthcare practice, it is important that your policy will reimburse you for these costs until such time you could reasonably have notified the insurer.

Defence Costs in Addition

Consideration needs to be given on whether your policy provides an additional layer of protection with a reinstatement clause to ‘top up’ the policy if exhausted by a claim and whether Defence Costs are also in addition so they do not erode policy limit.

Flexible policy periods and renewal dates

Do you want the ability to select the time of year your policy falls due?.

No gaps when returning from maternity leave

Mothers are eligible for the Australian Government Run Off Cover Scheme when on maternity leave but the scheme will not cover claims notified after a return from maternity leave. The tail cover means returning mothers face no unexpected gaps.

Public Patients Cover

Does your policy automatically covers public patient claims in your practise speciality where your hospital or area health service does not indemnify you.

No billing bands or mid-term increases

You should consider whether your insurer puts you in billing band categories or has the ability to increase your premium mid-term if your gross billings are higher than anticipated.

Telemedicine

Does your policy covers tele-health services including real-time patient interactions and instant electronic monitoring.

Needle Stick Cover

Does your policy provide an automatic lump sum payment if you are diagnosed with a covered communicable disease and are required to retire, retrain or revise your practice.

We accept already completed proposal forms

If you have already completed a current proposal form or renewal statement, we will accept it to save you time.   You can simply upload and send to us in order to obtain a quotation.

Upload Proposal Form