Tailored cover for hospitals, large and small
From operating theatres to community care units — we understand the unique risks hospitals face.
Key risks
Hospitals face unique pressures every day
Systemic failure and governance
Courts increasingly look past the individual doctor to blame the hospital's "system" for failing to prevent error (e.g., understaffing or poor policy).
Emergency Department bottlenecks
"Access block" and ambulance ramping lead to delayed diagnosis claims. The hospital is liable for harm occurring in the waiting room before admission.
Credentialing and scope of practice
Hospitals are liable if they permit a surgeon to perform procedures outside their defined scope of practice or without current currency.
Coronial inquests
Hospitals are frequent subjects of coronial inquiries. The reputational and legal costs of representation often exceed the cost of the original negligence claim.
What’s Included in The Cover
From malpractice claims to audits — protection designed for aged and disability care providers
Medical Malpractice
Protects against any allegations of medical malpractice or clinical negligence.
Cover includes abuse liability, complaint & investigation costs, telehealth and vicarious liability of medical practitioners.
Errors & Omissions
Protects against financial losses as a result of defect or contract failure. Cover includes defamation, breach of privacy, infringement of intellectual property, statutory liability and fidelity.
Public Liability
Covering claims involving bodily injury or property damage arising out of or in the course of the insured's business activities. $10m and $20m options available.
Products Liability
Covering claims involving bodily injury or property damage sustained as a result of a product manufactured, sold, or modified arising out of or in the course of the insured's business activities. $10m and $20m options available.
Pricing
How insurance pricing works for healthcare organisations
At Tego, insurance pricing is never one-size-fits-all. The cost of cover for hospitals, clinics, and healthcare entities is calculated individually, so you only pay for what you need. We consider the type of services you provide, the scale of your operations, and your risk profile to create fair and competitive premiums.
Type & size of facility
Whether you’re a hospital, clinic, aged care or disability provider, and the scale of patients and services you manage.
Level of cover
Higher indemnity limits or added protections (abuse liability, telehealth, management liability) may increase the cost.
Risk profile & history
Specialties you cover, past complaints or investigations, and overall exposure (e.g. surgery or intensive care).
Excess / deductible
A higher deductible can help reduce your premium.
Are you an insurance broker?
Explore how we partner with insurance brokers to deliver competitive and comprehensive indemnity solutions for healthcare professionals and organisations.
Why Tego
Your practice, understood. Your risks, covered. Your team, on call 24/7
Personalised medical indemnity and malpractice insurance for specialists and healthcare organisations, with 24/7 medico-legal support. Award-winning protection so you can keep practising with confidence.
Fast 24/7 Medico-Legal support
When something goes wrong or feels uncertain, speak with our experienced medico-legal advisers. Practical and empathetic support through complaints, AHPRA matters, investigations and civil claims - day or night.
Competitive & Personalised Pricing
Premiums that reflect your specialty, procedures, billings and practice setting, so you pay only for the risks you carry. Competitive rates with fast, straightforward quotes and renewals.
Comprehensive Cover, Designed by Industry Experts
Broad protection shaped by experienced insurance and medico-legal teams. Informed by real claims insight, it keeps pace with modern practice and your evolving risks—so it fits the way you practise.
Trusted by Thousands customers
Chosen by more than 30,000 healthcare professionals nationwide, with award-winning product, claims and client service, and over a decade of consistent support. A partner that understands healthcare and stands beside you when it matters.
Medical Indemnity Support & Claims
Immediate support for claims, complaints and medico-legal matters
Claims & Notifications
Unsure whether an incident needs to be notified? Contact us early. Our experienced claims team will assess the matter, guide you on next steps, and manage the process from first notification through to resolution.
24/7 Medico-Legal Advisory
Access 24/7 medico-legal advice from experienced advisers. Get practical guidance on AHPRA notifications, patient complaints, adverse events, documentation issues and complex clinical situations — day or night.
Contact Us
Contact our team online or by phone for assistance with your policy, claims, cover or general enquiries. We’ll respond promptly.