Medical Practice Indemnity Insurance | Tego
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Tego

Medical Indemnity Insurance

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Entity Medical Malpractice Insurance

Tego is the medical professionals’ trusted choice for medical malpractice insurance in Australia.

We offer competitive entity medical indemnity insurance with comprehensive features.

Individual medical practitioner indemnity insurance doesn’t cover everything. Yet, for many practices, it’s their sole method of shielding the business from potentially damaging claims arising from privacy breaches, administration errors and more. Medical practices interact with patients and support practitioners and ancillary services. Practice protocols, staff errors or system failures can create or contribute to poor patient outcomes, exposing the entity to legal action.
Relying on doctors’ own indemnity insurance policies to cover them in the event of a claim is risky, as there are many scenarios where that is not the case.
Tego’s entity medical malpractice insurance ensures your practice is protected against the complex matters that can arise.

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Our practice insurance is distributed via insurance brokers so please speak with your broker or contact us and we can help you find an insurance broker.

Why Work With A Medical Malpractice Insurance Broker?


Insurance brokers are specialists in their field and will be able to provide you with personalised service and expert advice to ensure you get the right cover to suit your business needs.

What’s Covered In Tego’s Medical Malpractice Indemnity Insurance?

Tego’s medical practice indemnity insurance is a comprehensive policy covering a broad mix of exposures.
Medical malpractice – this protects against allegations of medical malpractice or clinical negligence. Cover includes abuse liability, complaint investigation costs, telehealth and vicarious liability of medical practitioners.
Errors & omissions – this protects against financial losses because of defects or contract failures. Cover includes defamation, breach of privacy, infringement of intellectual property, statutory liability and fidelity.
General liability – this protects the business and its employees from claims involving bodily injury or property damage. A Tego policy allows your practice to operate with confidence, knowing it’s covered for:
  • Services and equipment provided to doctors who rent rooms
  • Administration errors by employees, nurses and practice staff
  • Practice protocol failures, such as in triaging, scheduling and recalling patients
  • Breaches of privacy in handling patients’ personal information and records.
Medical practices need a stable insurance partner that understands the unique, fast-changing nature of treatments, technology and regulatory requirements in healthcare.
It is essential healthcare businesses have adequate insurance to cover them for the wide variety of claims that can arise from unforeseen circumstances.
Seemingly innocent errors of administrative staff can have devastating effects and expose medical practices to litigation, complaints and investigations.
Medical receptionists, practice managers, nurses and administrative staff play crucial roles in any practice. They are often the first points of contact for patients and often the intermediaries with whom patient follow up is organised. These staff often conduct important unsupervised activities that may put the practice itself at risk.
Practice protocols or system failures, such as triaging and recalling patients, can create or contribute to adverse patient outcomes that expose medical practices to claims.

What Medical Entities Do We Work With?

  • Aboriginal health clinics
  • Aged and long-term care
  • Allied health
  • Beauty therapists
  • Community care
  • Covid-19 testing, vaccination & respiratory services
  • Day surgeries
  • Disability support (NDIS)
  • General practice clinics
  • Laser and cosmetic clinics
  • Medical & healthcare personnel agencies
  • Medical practices
  • Medical specialists, including ophthalmology, obstetrics, gynaecology, IVF
  • Paramedics & emergency care
  • Physiotherapy
  • Private hospitals
  • Psychiatric hospitals
  • Radiology practices
  • Rehabilitation providers
  • Specialist medical suites
  • Treatment centres

Why Choose Tego For Your Medical Malpractice Liability Insurance?

Our product benefits
Tego offers competitive premiums and unparalleled quality of cover. Our entity medical practice indemnity insurance includes coverage for medical malpractice, errors & omissions and general liability.
Tego’s deep understanding of the medical profession enables us to provide tailored cover with more choice and greater flexibility, so practices can operate with confidence.
Our security
Tego’s entity medical practice indemnity insurance is backed by Lloyd’s of London, the world’s largest insurance market. Lloyd’s is a strong, stable, secure market that recorded an overall profit of £2.3bn in its 2021 full year financial results.
The capital and solvency position at Lloyd’s is strong and continues to build. Net resources increased by £2.6bn to £36.6bn in 2021, underlining the exceptional strength and resilience of the Lloyd’s balance sheet.

View our product overview for entity medical practice indemnity insurance.

Read the full product disclosure statement. 

View more information about Tego’s complete product range.

Apply for Tego’s entity medical practice insurance.

Tego’s Medical Indemnity Insurance For Practices & Practitioners

Personal medical indemnity insurance is a vital component of a long and successful career.

We tailor professional indemnity insurance for medical practitioners so our pricing reflects the proportion of your work in fields like obstetrics, gynaecology and/or IVF. That ensures you pay a fair premium that mirrors your risk profile.

Read more here

Who Do We Work With?

Who do we work with? Tego’s medical practice insurance is ideal for a whole range of healthcare practices, including:
  • Specialist medical suites
  • General practice clinics
  • Day surgeries
  • Private hospitals
  • Radiology
  • Ophthalmology
  • Obstetrics
  • Gynaecology and IVF

Downloads

Policy Wording & PDS →
Product Overview →
All Products Overview →
Application Form →
Claims Examples →

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Call 1300 834 683 or request a quote, and one of our representatives will be in touch.
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What our customers are saying

David Moore, Obstetrician, Gynaecologist & Fertility Specialist

Being a FRANZCOG doesn’t necessarily mean 100% of my billings comes from the high-risk practice of obstetrics; I work also in gynaecology and fertility, both of which represent a lower claims risk to me and my indemnity provider. Tego offered something no other provider did (and I asked all of them!): they tailored my indemnity policy to my actual practice. Not only was Tego’s policy equal to the best policies on the market in terms of cover and facilities, it was significantly more affordable; more importantly, it was reflective of my actual practice.

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David Moore, Obstetrician, Gynaecologist & Fertility Specialist

Dr. Benjamin Olesnicky Anaesthetist

The cover with Tego was more comprehensive than my existing insurer and I was pleasantly surprised to see some great savings on my premium. As a doctor passionate about patient safety and research, it’s great to see Tego support some of the projects we are running at the Northern Sydney Anaesthesia Research Institute (NSARI). Tego are attentive and treat me like an individual – not just a policy holder.

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Dr. Benjamin Olesnicky Anaesthetist

Dr Alina Zeldovich, Ophthalmologist & Co-Founder Beamers

I was very impressed with the way Tego’s underwriters assessed me on my individual merits. Once I compared the cover with my existing insurer, I realised that Tego was offering broader cover at a more competitive premium. It was an easy switch and I have been really happy with their service.

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Dr Alina Zeldovich, Ophthalmologist & Co-Founder Beamers

Dr. Johnny Levy Medical Director, Primary Health Care Limited

I have found the legal advice – on a range of issues – given by Tego to be very useful. All interactions have been timely, friendly and have answered my questions fully.

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Dr. Johnny Levy Medical Director, Primary Health Care Limited

Frequently Asked Questions

Medical malpractice insurance, also known as medical indemnity insurance, is an essential form of insurance for medical practitioners in Australia. It provides protection in case a medical practitioner is sued for medical negligence or malpractice. The cost of medical malpractice insurance in Australia can vary depending on a range of factors.

The cost of medical malpractice insurance in Australia can vary depending on a number of factors, including:
  • The type of medical practitioner: The cost of insurance can vary depending on the type of medical practitioner, such as a GP, surgeon, anaesthetist etc.
  • The specialty or area of practice: The cost of insurance can be higher for medical practitioners in high-risk specialties or areas of practice, such as obstetrics or neurosurgery.
  • The location: The cost of insurance can be higher in certain locations due to differences in claims experience and regulatory requirements.
  • The level of coverage: The cost of insurance can vary depending on the level of coverage required by the medical practitioner.

The cost of medical malpractice insurance in Australia can vary widely depending on the factors listed above. However, some medical practitioners can expect to pay several thousand dollars per year for their insurance. It’s important to note that the cost of insurance is not the only factor to consider when choosing a medical indemnity insurer. Medical practitioners should also consider the reputation of the insurer, the quality of their claims handling process, and the level of support they provide in the event of a claim. If you are a medical practitioner looking for medical indemnity insurance in Australia, Tego can help. Tego is a specialist medical indemnity insurer that offers tailored coverage options, competitive pricing, and exceptional claims handling and support. Contact Tego today for a free quote by calling 1300 834 683, emailing , or submitting a request via our website form here.

When comparing medical indemnity insurance in Australia, you should consider a range of factors, including:
  • The level of coverage: Make sure the policy provides the level of coverage you need, including coverage for legal costs, damages, and other expenses.
  • The cost: Compare pricing and premiums from different insurers to find the best value for money.
  • The claims process: Look for an insurer with a fast, efficient, and supportive claims process.
  • Reputation and customer service: Choose an insurer with a good reputation and a track record of providing excellent customer service and support.

You can compare medical indemnity insurance policies in Australia by contacting insurance brokers, visiting insurer websites, and using comparison websites. It’s important to ensure that any insurer you consider is authorised by the Australian Prudential Regulation Authority (APRA) to carry on insurance business in Australia.At Tego, we offer tailored medical indemnity insurance solutions for medical practitioners in Australia. Our policies are designed to meet the unique needs of different medical practitioners. To compare our policies and pricing, you can contact us for a free quote by calling 1300 834 683, emailing , or submitting a request via our website form here.

If you are a medical practitioner, in Australia you are required by law to have medical indemnity insurance. The Australian Health Practitioner Regulation Agency (AHPRA) and the Medical Board of Australia require all registered medical practitioners to hold professional indemnity insurance that meets the Board’s registration standards.

Doctors need medical malpractice insurance to protect themselves against the financial and legal consequences of a malpractice lawsuit. Without medical indemnity insurance, doctors could be personally liable for the costs of legal fees, damages, and other expenses resulting from a malpractice claim. It is also mandatory for doctors who hold a medical practice license to have medical indemnity insurance that meets the registration standards of the Medical Board of Australia.