Benefits of MIPS Membership include:
- Comprehensive indemnity insurance cover for claims (limit $20 million) under the Indemnity Insurance Policy
- 24 hr Clinico-Legal Advice and Support from independent and experienced expert healthcare professionals
- Additional discretionary assistance for non-healthcare matters arising from your clinical activities that may not otherwise be covered by insurance under the MIPS Assist
- Accredited Professional Development including webinars, workshops, on-demand education and resources
- Indemnity for approved healthcare placements outside of Australia
- Access to My Wellness website where you can obtain nutritional, physical and mental health programs and also perform an online health check
- Other benefits including financial literacy material and access to discounted private health insurance.
The Indemnity Insurance Policy provides cover for claims arising from any acts, errors, breaches and omissions in your provision of healthcare services. It provides protections for legal claims, such as when you are sued and require legal representation to defend yourself and/or are required to pay compensation. It also provides cover for investigations, proceedings and the legal costs of defence in these matters.
For a list of covers refer to our summary.
Cover under the Indemnity Insurance Policy meets the professional indemnity requirements of AHPRA for healthcare practitioners.
Full terms, conditions and exclusions of the Indemnity Policy are outlined in the Member handbook.
The MIPS Indemnity Insurance Policy can only respond to matters relating to the provision of health care defined as:
- any care, treatment, advice, service or goods provided for the physical or mental health of a patient; or
- any healthcare examination, report or opinion prepared by you at the request of a third party, such as a lawyer, insurer or statutory body; or
- any activities you undertake for which AHPRA requires you to maintain registration such as teaching healthcare, providing or publishing advice for healthcare practitioners including medico-legal advice, and healthcare administration.
The limit of indemnity under the MIPS Indemnity Insurance Policy for each claim and in the aggregate of claims notified during any one insurance year is $20 million for each member.
For those members who require an automatic reinstatement to comply with AHPRA indemnity requirements of registration, the insurance cover provided will be shown on your Member Benefit Statement as a $10 million limit plus an automatic reinstatement of that amount. This means that if during the policy period the $10 million cover is exhausted that the same amount of cover will be automatically reinstated so that the total cover available is $20 million.
Where a claim is accepted, the cost for legal defence as well as representation during an investigation, damages or other civil liabilities are covered under the Indemnity Insurance Policy.
There are no pre-set cover sub limits for core indemnity. There is a cover limit of $25,000 for any claim if diagnosed with a communicable disease (HIV, Hepatitis B or Hepatitis C).
No standard excess applies under the Indemnity Insurance Policy. If a non-standard excess is applied, you will be informed of this prior to receiving your invitation to apply or renewal of membership.
MIPS Assist (formerly MIPS Protections) for non-healthcare risks
MIPS Assist is unique to MIPS and is an added discretionary cover that can provide assistance for non-healthcare risks arising from your clinical activities that may not otherwise be covered by insurance arrangements.
MIPS Assist is subject to the terms and conditions of membership outlined in the Member Handbook.
MIPS will consider your request for assistance in accordance with the MIPS Constitution and the law. You can have a realistic expectation that claims under MIPS Assist will be accepted if the claim comes within the scope of the discretionary cover provided by MIPS. MIPS is more likely to provide assistance for cases that affect a member’s professional character or interests or that promote honourable and discourage irregular practice. MIPS Assist is available to members unless otherwise indicated on your Member Benefit Statement.
Assistance, including payment of defence costs, may be provided for disputes that arise in connection with your employment, professional college or association and regulator issues, for example:
Employment and industrial relations
Advice on disputed employment contracts or providing assistance if you are wrongly accused of breaching your employment contract.
College, professional association or university
We can assist you with disputes you have with your college, professional association or university where you have been the victim of a lack of due process, procedural fairness or illegal discrimination (eg race, gender), for example suspension or expulsion due to misconduct or a breach of conduct.
Workplace discrimination, bullying or harassment
We can assist you to defend false allegations of workplace discrimination, bullying or harassment or respond where you are a victim of workplace discrimination, bullying or harassment and your employer is unable or unwilling to assist.
MIPS has discretion to accept or refuse assistance in whole or in part. MIPS may withdraw assistance, if your conduct is fraudulent or where you do not cooperate with MIPS or act in good faith. The following provides examples MIPS is unlikely to assist you with:
- any accusations or acts that are malicious or of a deliberate, reckless or criminal nature
- financial assistance to initiate legal proceedings rather than respond to legal proceedings (eg initiate proceedings that accuse others of defamation, libel or slander)
- where you refuse to settle a matter that is capable of being settled. In this case, MIPS may limit the amount of defence costs incurred up until the earliest date the settlement could have been achieved
- fund the cost of any repayment you must make to any statutory authority, government department or employer
- further assistance on the same matter if your appeal is not successful
- if you have not undertaken any available dispute resolution process
- actions where you were practising healthcare outside your scope of practice or without being AHPRA registered
- any activities that would otherwise be covered with the Indemnity Insurance Policy that is also a benefit of membership.
Members must obtain prior approval from MIPS prior to incurring any costs.
Membership benefits include accredited education and resources to help prevent or mitigate loss, as well as assist you with meeting ongoing CPD requirements. Visit the risk education page on our website to find out full details about upcoming events and workshops or how to access and complete our on-demand education and resources.
Cover up to $25,000 is provided under the MIPS Indemnity Insurance Policy if you are diagnosed with:
- Human Immunodeficiency Virus (HIV),
- Hepatitis B, and / or Hepatitis C
- and you either:
- retire due to disability: or
- significantly revise your practice or significantly train or re-train in order to enable you to continue to practise healthcare.
See the Indemnity Policy for full terms, conditions and exclusions.
MIPS provides cover and assistance to members undertaking medical repatriation in Australia and may extend to repatriation of patients to Australia.
For a list of conditions and restrictions refer to medical retrivals and repatriation in the Member Handbook.
If you are supervising other practitioners (including students, nurses and trainees) you are required to have the recognised qualifications, training and experience for the services you supervise as well as maintain an appropriate level of indemnity cover for those services.
Appropriate supervision arrangements must be in place and may include both direct supervision and indirect supervision where there continues to be adequate access to communication, oversight, interaction, direction and support after initial instruction has been provided.
The Indemnity Insurance Policy provides cover for practice staff errors and omissions, related to your provision of healthcare.
Cover is provided to protect your practice staff who assist you to provide healthcare. If you employ administrative staff, dental assistants or practice managers indemnity cover is extended to cover them in connection with the healthcare you provide. Staff who are AHPRA registered and require their own indemnity are excluded.
Administrative staff and assistants cover excludes claims in connection with cosmetic services.
MIPS membership benefits (including insurance cover) extend to clinical trial participation, subject to meeting certain criteria.
For further information refer clinical trials in the Indemnity Insurance Policy within the Member Handbook.
Gratuitous services are services where you receive no remuneration and patients (or others) are not charged for your involvement for the services you undertake. This may include services such as prescribing and writing referrals and volunteer services.
Cover may be extended to gratuitous services outside of Australia (subject to individual application and approval) as well as within Australia.
For further information refer to gratuitous services in the Indemnity Insurance Policy within the Member Handbook.
All members, including non-practising members, receive cover and benefits for Good Samaritan Acts worldwide (excluding the USA or where USA law applies).
Good Samaritan Acts are where you provide healthcare voluntarily, without remuneration, in relation to unexpected events and where you wouldn’t normally be expected to be available to provide healthcare.
Cover applies for claims made against the individual MIPS member under the terms and conditions of the Indemnity Insurance Policy regardless of how the patient is billed for the healthcare services, including where patients are billed under a company name.
Documentation confirming cover can only be issued in the name of the individual MIPS member.
The indemnity policy coverage does not extend to business entities or companies other than sole practitioners (conditions apply) and there is also cover for Administrative staff and assistants (conditions apply). MIPS can assist you to acquire practice entiy, cyber and public liability insurance for practice entities.
Medical indemnity insurance in Australia is provided on a claims-made basis.
This means cover can only be provided for claims made and notified to the insurer during the policy period (including any retroactive cover period), rather than when the incident occurred.
For more information see claims made in the the Member Handbook.
The Indemnity Insurance Policy provides cover for claims, investigations or proceedings that arise out of prescribing a product listed on the Australian Register of Therapeutic Goods (ARTG).
There is no cover for any claim, investigation or proceeding arising out of the importation, manufacture, distribution or sale of a product unless you are a dental practitioner and the product is listed on the ARTG or is a material not required to be registered on the ARTG.
For terms and conditions refer to the Indemnity Insurance Policy .
The Indemnity Insurance Policy does not provide cover for non-clinical activities that do not meet the definition of healthcare.
If you undertake these activities, and you are not required to hold indemnity for these services, you may receive cover and assistance under MIPS Assist which is additional discretionary cover we provide for non-medical indemnity matters related to a member’s professional activities not otherwise covered by insurance.
The Indemnity Insurance Policy does not cover all events and circumstances or all types of claims arising from your provision of healthcare. Refer to the Indemnity Insurance Policy for comprehensive details of exclusions that apply.
Benefits of MIPS membership do not extend to provide cover for Public Liability. We suggest that you contact a general broker for this requirement. MIPS can assist you to acquire public libaility and others covers for your practice entity.
We can assist with investigations and defence costs to defend investigations or complaints about inappropriate claims through the Medicare Benefits Schedule.
Benefits of membership do not cover Medicare amounts to be repaid or any claims, investigations or proceeding alleging or arising out of dishonesty or fraud.