Medical malpractice for hospitals, clinics and practices

Tego works both directly with medical practitioners and healthcare organisations, and through insurance brokers. We support brokers who specialise in healthcare risk, while also providing direct access for doctors and clinics seeking medical indemnity insurance in Australia. This flexible distribution model ensures practitioners can access cover in the way that best suits their practice structure.

Tego specialises in medical indemnity insurance for healthcare professionals and organisations. Unlike generalist insurers, our focus is exclusively on medical and healthcare risks. This allows us to offer tailored policy wordings, flexible underwriting for private practice structures, and responsive medico-legal support designed specifically for doctors and healthcare entities. Our products are backed by Lloyd’s of London capacity and supported by an experienced local underwriting and claims team.

Tego is a Lloyd’s Coverholder. Lloyd’s is the world’s leading insurance and reinsurance marketplace, providing innovative insurance solutions that protect people, businesses and communities worldwide.

Tego specialises in medical indemnity and healthcare professional liability risks. We do not directly place property or facility insurance, however we regularly work alongside brokers to coordinate these covers as part of a broader insurance program for healthcare practices and organisations.

Yes. Tego offers optional public liability insurance as part of our healthcare practice and entity insurance policies, with limits available up to $20 million. This cover is designed for healthcare organisations, and is typically arranged through an insurance broker.

Yes. Tego’s malpractice indemnity insurance can include cover for telehealth, video consultations and remote services, subject to scope of practice and policy terms.

Healthcare entities require medical malpractice insurance where the organisation itself may be held legally responsible for patient care. This includes private hospitals, day surgeries, medical centres, dental practices, allied health clinics, aged care, disability and community health providers. Entity medical malpractice insurance responds to claims alleging negligence by the organisation, including failures in systems, supervision, policies, staffing or clinical governance.

Entity medical malpractice insurance protects the healthcare organisation itself against claims arising from the delivery of healthcare services, including organisational failures, systems issues and vicarious liability for staff and contractors. Doctors’ medical indemnity insurance protects the individual practitioner against claims arising from their personal clinical decisions, advice or treatment. In many healthcare settings, both types of cover are required, as claims can be brought against both the practitioner and the entity arising from the same incident.