General

Medical indemnity insurance: 10 reasons not to worry when you retire or go on maternity leave

By Eric Lowenstein on Monday, September 24th, 2018 in General.

Medical Indemnity Insurance continues in perpetuity after Australian doctors retire from private practice, thanks to the government’s Run-off Cover Scheme (ROCs). This means that retired doctors and those on maternity leave are covered for any claims arising from any act or omission that occurred at any stage of their career in private practice. To qualify  … Read more


Demystifying Medical Indemnity Insurance

By Eric Lowenstein on Thursday, January 31st, 2019 in General.

First and foremost let’s be clear- all Medical Indemnity Insurance policies are not the same.  Here are two areas of concern- choosing the right policy and when you should you review it, which illustrate this point. In regard to deciding on a Medical Indemnity Policy– here are the essential questions to ask- Does your policy  … Read more


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

By Eric Lowenstein 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 Eric Lowenstein 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 Eric Lowenstein 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


New Victorian Maternity eHandbook

By Eric Lowenstein 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 Eric Lowenstein 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 Eric Lowenstein 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 Eric Lowenstein 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