Payments for the Run-Off Cover Scheme (ROCS)

Doctors pay a levy as part of their indemnity insurance premiums when they are working, to help fund ROCS. Insurers cannot charge a fee for providing ROCS cover when the doctors have stopped working.

How to get ROCS cover

If a doctor has not received a notice of ROCS cover but they think they are eligible, they should contact their current or last insurer.

Paying for ROCS cover

Insurers cannot charge doctors for providing ROCS cover.

Extra run-off cover

If the doctor’s last cover is not adequate, they can buy extra run-off cover. This will not be ROCS cover:

  • The doctor will need to pay premiums for the extra cover.
  • The Australian Government will not pay for the cost of claims under the extra cover.

How ROCS is funded

The Australian Government charges a levy on indemnity insurance premiums to meet the ongoing costs of ROCS.

All doctors pay the levy as part of their premiums while they are in private practice.

ROCS support payment

The current rate of the ROCS support payment is 5% of the premium.

Viewing the ROCS component in premiums

Premium invoices must show the ROCS support payment the doctor has paid as part of their premiums.

Finding the total contributions to ROCS

Doctors can request the annual total of the ROCS support payments they have paid by contacting Services Australia.

Services Australia records the payments as run-off cover credits. These amounts attract interest every year, which helps to cover the costs of ROCS.

Doctors will receive a refund of their contributions if ROCS ends.

Date last updated:

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