Professional Insurance

Professional Insurance


Doctors are required to have medical indemnity insurance in order to be registered in Australia. Medical indemnity insurance is vital in the Australian health system as it protects both doctors and patients in the event of an adverse incident arising from medical care, which could at times be inevitable at times even with the best of care.

The cover that you need may vary depending on your position and scope of duties as well as where you work. We will advise you of the type of cover you need for the specific job that you are going for and we make sure to check that you have appropriate cover before commencing your job.

These insurers are represented by a peak body called the Medical Indemnity Insurance Association of Australia (MIIAA):

  • Avant
  • MDA National
  • Medical Insurance Group Australia (MIGA)
  • MIPS

Department of Health programs

The Department of Health has a range of programs in place to help doctors and insurers with medical indemnity costs:

The Department of Health Package
The Department aims to help doctors with their medical indemnity costs and ensure there’s a viable, on-going medical indemnity insurance market.

The Run-off Cover Scheme (ROCS)
The Department guarantees to pay the cost of medical indemnity claims covered by the scheme against eligible doctors who have left the private medical workforce. Your visa type may affect the timing of your eligibility for this scheme.

The Premium Support Scheme (PSS)
The Department helps eligible doctors with the costs of their medical indemnity insurance.

Exceptional Claims Scheme
The Department indemnifies doctors for 100% of the costs of certain private practice claims that are above the $20 million limit of their medical indemnity contracts of insurance, so that doctors are not personally liable for amounts that exceed their contract’s limit of insurance.

The High Cost Claims Scheme
The Department reimburses medical indemnity insurers 50% of the cost of the claim which is in excess of $300,000 up to the limit of the practitioner’s cover, on a per claim basis.


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Sterling Healthcare Resourcing

The content of this website is written and owned by Sterling Healthcare Resourcing Pty Ltd, an Australian-owned healthcare recruitment agency which specialises in permanent and locum job placements of Australian and international doctors. This website contains information that serves as a general guide to living and working in Australia.

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