Medical and midwife professional indemnity insurance

Indemnity insurance protects health professionals from the cost of malpractice claims, allowing them to focus on providing quality care to their patients. Find out how we support access to affordable and stable medical and professional indemnity insurance.

About indemnity insurance

What medical and midwife professional indemnity insurance is, who it is for, when it is used and why it is important.

What we're doing

How we support access to indemnity insurance for doctors, allied health professionals and midwives.

Legislation

The acts, regulations and legislative instruments that underpin our medical and midwife professional indemnity insurance schemes.

Indemnity insurance schemes

Exceptional Claims Scheme

This scheme helps doctors with the cost of claims that exceed their indemnity cover.

High Cost Claims Scheme

This scheme helps indemnity insurers with the cost of large claims against doctors.

Run-Off Cover Scheme

This scheme provides run-off cover to doctors who have stopped private practice.

Premium Support Scheme

This scheme helps doctors with the cost of their indemnity insurance premiums.

Allied Health Exceptional Claims Scheme

This scheme helps allied health professionals with the cost of claims that exceed their indemnity cover.

Allied Health High Cost Claims Scheme

This scheme helps indemnity insurers with the cost of large claims against allied health professionals.

Midwife Professional Indemnity Scheme

This scheme helps indemnity insurers with the cost of claims against midwives in private practice.

Midwife Professional Indemnity Run-Off Cover Scheme

This scheme provides run-off cover to midwives who have stopped private practice.

Incurred-But-Not-Reported Indemnity Scheme

This scheme helps medical defence organisations with the cost of eligible incurred-but-not-reported claims.

Reporting

Universal cover reports

Medical indemnity insurers can only impose a risk surcharge or refuse to cover a doctor in certain circumstances. They must report the number of times they do either each year.

Run-off cover reports

These reports include the number of doctors eligible for the Run-Off Cover Scheme and the total amount of scheme payments each year.

Midwife run-off cover reports

These reports include the number of midwives eligible for the Midwife Professional Indemnity Run-Off Cover Scheme and the total amount of scheme payments each year.