About the Premium Support Scheme (PSS)

The PSS provides a government subsidy to help doctors with the cost of their medical indemnity insurance.

What is the PSS

The PSS helps doctors to meet the costs of their medical indemnity insurance.

The subsidy amount depends on:

  • how much the doctor’s insurance costs are compared to their private practice income
  • if the doctor mainly operates from a rural and remote area (Modified Monash areas 3 to 7).

The PSS is one of the Australian Government’s medical and midwife professional indemnity insurance schemes.

Why is it important

The PSS makes medical indemnity insurance more affordable for doctors. This helps them to focus on providing high quality health care.

Who is it for

The PSS is for doctors who face high insurance costs and who work in rural areas. See the full eligibility criteria.

How it works

Currently, 6 medical indemnity insurers offer the PSS. The insurers:

  • collect the required information from doctors to confirm they are eligible
  • work out the PSS subsidy amount
  • give the subsidy to the doctor as a reduced premium or a refund
  • get reimbursed by the Australian Government at the end of each premium period.

How to get it

Doctors need to apply to their insurer to take part. To find out more, see applying for the PSS.


The government set up the PSS under the Medical Indemnity Regulations 2020. Find out about the legislation that supports indemnity schemes.


Medical and professional indemnity insurance contact

Contact us for general enquiries about the medical indemnity insurance schemes for privately practising doctors, allied health professionals and midwives. You can also contact us if you have general enquiries about medical and professional indemnity insurance policy.
Date last updated:

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