The medical and midwife professional indemnity insurance schemes are an Australian Government initiative. They support medical indemnity insurance for privately practicing:
doctors
allied health professionals
midwives.
Under these schemes, the government provides funding to subsidise:
premium costs
the cost of negligence claims made against practitioners.
Why are they important
These schemes help to:
stabilise the medical indemnity insurance market
keep premiums affordable for practitioners in private practice
ensure more stable fees for patients
improve access to professional indemnity insurance for midwives.
Who is involved
The Department of Health and Aged Care oversees the schemes. We develop related policy and are responsible for scheme governance.
Services Australia administers the schemes. It is responsible for the payment and audit of funds expended under the schemes.
Medical defence organisations (MDOs) and medical indemnity insurers take part in these schemes.
The AHECS helps allied health professionals with the cost of claims that exceed their indemnity cover. Find out who is eligible and how this scheme works.
The ECS helps doctors in private practice with the cost of claims that exceed their indemnity cover. It also provides legacy cover for some allied health professionals. Find out more about who is eligible and how this scheme works.
The scheme covers 100% of the cost of eligible IBNR claims that medical defence organisations (MDOs) do not have the reserves to cover, as of 30 June 2002.
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.