What is the MPIROCS
The MPIROCS helps eligible midwives in private practice who have stopped working. It provides professional indemnity cover for incidents that:
- occurred while they were working
- have not yet been notified to insurers.
The MPIROCS is one of the Australian Government’s medical and midwife indemnity insurance schemes.
Services Australia administers the MPIROCS for the government.
Why is it important
Previously, midwives faced significant costs for run-off cover. The MPIROCS addresses this issue by providing secure, free and ongoing run-off cover insurance.
Who is it for
The MPIROCS is for endorsed midwives who:
- had Midwife Professional Indemnity Scheme cover while in private practice
- have stopped paid private practice.
See the full eligibility criteria.
What does it cover
MPIROCS cover is based on a midwife’s last insurance cover. This usually means the cover they had before they stopped private practice.
Find out more about coverage under the MPIROCS.
How it works
Currently, Medical Insurance Australia (MIGA) is the sole provider of run-off cover to private midwives. This is under an arrangement with the Australian Government.
When midwives stop working and they are eligible for the MPIROCS, MIGA must:
- issue a notice of MPIROCS cover to the midwife
- manage and pay for any eligible claims.
MIGA can apply for an MPIROCS payment to reimburse their costs.
Go to the Services Australia website to find out more about the MPIROCS for insurers, including how to apply for payment.
Payments
The government charges a levy – the MPIROCS support payment – on professional indemnity premiums. This covers the ongoing cost of the MPIROCS.
Find out more about payments for the MPIROCS.
Reporting requirements
Indemnity legislation requires annual reporting on the MPIROCS.
Legislation
The government set up the MPIROCS under the Midwife Professional Indemnity (Run-off Cover Support Payment) Act 2010. Find out about the legislation that supports indemnity schemes.