Trusted Medical Indemnity Insurance for Specialists

Protecting patients and practitioners: Talking with Tego CEO, Eric Lowenstein

By Tego Insurance on Tuesday, May 22nd, 2018 in General.

The reality of protecting your patients’ privacy is about preparing for when, not if, the next risk will emerge. The rate of data breaches in Australia continues to affect businesses both large and small, with a 2017 IBM Security Report estimating the average total cost of data breach amounting to $2.51 million. Therefore, putting privacy  … Read more


If I change insurers, will I lose my tail cover? Retroactive cover explained

By Tego Insurance on Friday, May 4th, 2018 in General.

A number of doctors have mentioned that they worry about changing medical indemnity insurers because they’re concerned that if they switch insurers, they’ll lose their retroactive (‘tail’) cover. This post demystifies retroactive cover in medical indemnity insurance policies. What is retroactive (or ‘tail’) cover? Retroactive cover, also known as ‘tail’ cover, is insurance cover for  … Read more


Medical Indemnity Insurance: The Basics

By Tego Insurance on Friday, May 4th, 2018 in General.

Claims Made. Occurrence Based. Circumstances which could give rise to a claim. These terms are insurance jargon. And if you want to understand how medical indemnity insurance policies operate, you need to be familiar with these terms. So, what do they mean? Occurrence Based versus Claims Made policies An occurrence based policy is the most  … Read more



If I change insurers, will I lose my tail cover? Retroactive cover explained Copy

By Tego Insurance on Monday, April 9th, 2018 in Publications.

A number of doctors have told me that they worry about changing medical indemnity insurers. Why? Because they’re concerned that if they switch insurers, they’ll lose their retroactive (‘tail’) cover. This post demystifies retroactive cover in medical indemnity insurance policies. What is retroactive (or ‘tail’) cover? Retroactive cover, also known as ‘tail’ cover, is insurance  … Read more


New Victorian Maternity eHandbook

By Tego Insurance on Saturday, April 7th, 2018 in General.

The Victorian Maternity and Newborn Clinical Network (VMNCN) of Safer Care Victoria launched a Maternity eHandbook on 22 August 2017 which offers readily available information on pathways of care, in the context of a range of obstetric presentations. It is the culmination of a project spanning over approximately 4 years, which involved drawing on existing  … Read more


The Wellbeing of Doctors

By Tego Insurance on Saturday, April 7th, 2018 in General.

As a doctor working in emergency departments, I can vouch for the stress and fatigue to which medical practitioners may be exposed in an average day’s work. In addition, the challenges faced by doctors who are new or transient (such as locums like myself), or doctors-in-training rotating through different departments, can be augmented by having  … Read more


Block Financial Pain

By Tego Insurance on Saturday, April 7th, 2018 in General.

EXECUTIVE SUMMARY Medical specialists today – and none more so than anaesthetists – face extremely challenging times. Once thought of as a ‘ticket to ride’ financially, medical specialists now face a barrage of issues affecting not only their careers and job security, but their ability to build financial independence. High education expenses, a tsunami of  … Read more


Causation – What you Should, And Should Not, Ask Your Expert

By Tego Insurance on Saturday, April 7th, 2018 in General.

When medical practitioners are sued, they understandably tend to conclude that if they have made a mistake, they are liable for any injuries the patient has suffered. However, for a patient to be successful in their claim against a medical practitioner, the law requires that they prove not only that the doctor breached his or  … Read more


A guide to Medical Indemnity Insurance in Australia

By Tego Insurance on Saturday, April 7th, 2018 in General.

Medical indemnity insurers provide specialised professional indemnity insurance for doctors in Australia. They may also provide additional support services, such as a 24/7 direct line to highly experienced medical lawyers for doctors needing advice regarding their legal obligations and potential liabilities in any given situation. All medical indemnity insurers in Australia must meet the minimum  … Read more