April 2018

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


AHPRA Investigation: How Forthright Should You Be?

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

When a practitioner finds themselves being investigated by AHPRA, it is usually advisable for them to provide a frank and forthright response. But in the current climate, is this still the best advice? What is AHPRA’s role? AHPRA’s function is to administer the National Law, which aims to protect the public by ensuring that only  … Read more


Voluntary Assisted Dying in Victoria

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

On 21 July 2017 the Victorian Ministerial Advisory Panel on Voluntary Assisted Dying released its 257-page final report, which can be found at www.apo.org.au. ‘Voluntary assisted dying’ has been used in favour of other terms, emphasising voluntariness and reflecting a ‘person-centred’ approach. ‘The Panel is firmly of the view that a person should not be  … Read more


Public & Private Exposures in Medical Indemnity Insurance – Are you Covered?

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

A medical practitioner’s exposure changes depending on whether they work in public and/or private practice, which state they are practising in, employment status, level of experience and what services are provided. While you may have insurance through your employer (including insurance through state governments), it may not cover all of your day-to-day exposures. If you would like to  … Read more