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#2 Medical Practitioner Indemnity Insurance

Not all insurance policies are the same. Tego is the medical professionals’ trusted choice for medical indemnity insurance in Australia. We have competitive premiums, 24/7 medico-legal advice and more.

Tego offers medical practitioners in private practice personal medical indemnity insurance with a wide range of advantages.

Consider these benefits:

  • Two months’​ free introductory offer.
  • Unlimited retroactive cover,​ giving you peace of mind for prior practice.
  • No policy​ excesses.
  • Policy matching -​ like-for-like terms with your previous year’s policy if there is any difference in cover.
  • A discounted premium plan for your first four years in private practice.
  • Lock in your premium – in your first few years of private practice you may not have an accurate estimate of your likely billings. Tego will accept your best estimate and not apply any mid-term or retrospective increases if your estimated billings change during the year.
  • No hidden costs – Tego has no membership fees, cancellation charges or mid-term billing increases.
  • Tailored pricing – your premium is customised to reflect your individual risk profile and the proportion of your work in different specialty areas.

Request a quote

Call or use our online form to request a quote or get a quick estimate.
1300 834 683 Request a quote


What’s covered in Tego’s medical practitioner indemnity insurance?

Medical indemnity insurance is a vital component of a long and successful career. Things can go wrong and you need peace of mind that you have the best possible cover in place when you need it.

We tailor our medical indemnity insurance for medical practitioners so our pricing reflects your individual risk profile to ensure you have the right protection in place and you’re paying a fair premium.

Your Tego medical indemnity insurance includes:
  • Unlimited retroactive (tail) cover
  • No policy excesses
  • Civil liability cover
  • Investigations & complaints
  • Tax audits
  • Medicare audits
  • Health fund inquiries
  • Coronial inquests
  • Privacy breaches
  • Telehealth services
  • Needle-stick cover
  • Defamation
  • Employment disputes
  • Practice and staff cover
Professionals we cover include:
  • Anaesthetists
  • General practitioners
  • Obstetricians
  • Ophthalmologists
  • Orthopaedic surgeons
  • Physicians
  • Psychiatrists
  • Radiologists
  • Surgeons

Why choose Tego for your medical practice insurance?

Our security
Tego’s medical practitioner indemnity insurance is backed by Berkshire Hathaway Specialty Insurance (BHSI), one of the biggest, most-respected insurance names globally. We’ve collaborated closely with BHSI to offer value-for-money premiums and a 24-hour legal advice support service to provide expert guidance whenever you need it.

BHSI is a strong, trusted insurance partner that believes in simplicity over complexity, responsiveness to a changing healthcare landscape, and results-focused, cost-effective claims management – all values shared by Tego.

Berkshire Hathaway’s National Indemnity Company holds $US388 billion in total admitted assets and $US242.8 billion in policyholder surplus (source: March 2022 balance sheet). BHSI’s large, stable balance sheet means you can have the utmost confidence in BHSI’s ability to pay covered medical practitioner professional indemnity claims – no matter how complex or large.

Our product benefits
  • Two months’ free introductory offer
  • Unlimited retroactive cover
  • No policy excesses
  • Policy matching –like-for-like terms with your previous year’s policy.
  • A discounted premium plan for your first four years in private practice.
  • A locked-in premium, based on your estimated billings.
  • No hidden costs
  • Tailored pricing customised to reflect your individual risk profile and the proportion of your work in specialty areas.
24/7 medico-legal support

When you contact the medico-legal support help line (1300 938 991 or email healthcareclaimsaustralia@bhspecialty.com), you get instant access to dedicated Berkshire Hathaway Speciality Insurance (BHSI) claim professionals who work with you to manage the complaint or claim as quickly and strategically as possible.

More information about Tego’s medical indemnity insurance

Read our medical professional indemnity insurance product overview here.

Here’s our product disclosure statement that has all the detailed information you need about our medical practitioner professional indemnity insurance.

Here’s our guide to discounts for those new to private practice.

To apply for Tego’s medical indemnity insurance and the Premium Support Scheme (PSS) subsidy, complete this form. The PSS is an Australian Government scheme that helps eligible doctors with the costs of medical indemnity insurance.

Tego’s medical practice indemnity insurance

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, employee disputes and much more.

Tego’s entity medical practice indemnity insurance is a comprehensive policy that enables your practice to operate with confidence, knowing it’s covered for:

  • Services and equipment provided to doctors who rent rooms
  • Administrative errors by employees, nurses and practice staff
  • Practice protocol failure, such as in triaging, scheduling and recalling patients
  • Privacy breaches of patients’ personal information and records.
Read more here

Downloads


Policy Wording & PDS →  Product Overview →

Starting in Private Practice Guide →

Premium Support Scheme Application & Agreement →

Request a quote

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

Request a quote →

Dr Alina Zeldovich, Ophthalmologist & Co-Founder Beamers

What our customers are saying

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.

Dr Alina Zeldovich, Ophthalmologist & Co-Founder Beamers

Dr. Johnny Levy Medical Director, Primary Health Care Limited

What our customers are saying

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.

Dr. Johnny Levy Medical Director, Primary Health Care Limited

Dr. Benjamin Olesnicky Anaesthetist

What our customers are saying

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.

Dr. Benjamin Olesnicky Anaesthetist

David Moore, Obstetrician, Gynaecologist & Fertility Specialist

What our customers are saying

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.

David Moore, Obstetrician, Gynaecologist & Fertility Specialist

Dr Chien-Wen Liew Orthopaedic Surgeon & Director – OpAlert

What our customers are saying

I was extremely surprised by the confidence that I had in Tego after delving deeper into their offering. After considerable time spent researching Tego and comparing it against other insurers, I found that Tego had actually listened to what doctors had been saying for years. The coverage was fantastic. Everyone is cautious, and so was I. I spent time reviewing the policy and talking to other doctors and the feedback was consistently positive and reassuring. And when I realised that the pricing was extremely competitive, I was even happier. Quality first, price second. But why not have both? Thanks Tego, very happy with the time spent alleviating my concerns.

Dr Chien-Wen Liew Orthopaedic Surgeon & Director – OpAlert

We insure the following

Under the Australian National Law, all practising medical practitioners must be insured or otherwise indemnified for their entire scope of practice, whether via their employer’s indemnity arrangements or through their own medical indemnity insurer. This means it is mandatory for all doctors in private practice to have their own personal medical indemnity insurance. It is also a requirement for registration with the Australian Health Practitioners Regulatory Authority (AHPRA). If your insurance or indemnity arrangements specifically exclude any aspect of practice you must not practise in that area. If you discover you do not have appropriate medical indemnity insurance arrangements in place, you are obliged to notify the Medical Board of this within 7 days. Not all policies are the same, and not all premiums are the same. Further, just because you have been with one insurer for a long time does not mean they are necessarily the best insurer for you.
All medical indemnity insurance policies cover personal liabilities that might arise out of your provision of healthcare (including legal costs) by way of civil claims (that is, claims in medical negligence), and to a more variable extent, non-civil claims (such as coronial inquests, professional or disciplinary investigations, employment disputes – namely, anything other than requests for compensation). Medical indemnity insurance in Australia typically provide $20 million cover, however different policies apply different sub-limits to non-civil claims – meaning that specific cover will vary between policies. Some policies, not all, also include cover for exposures such as costs towards protecting your reputation (eg. in the event of adverse social media) and pursuing or defending defamation claims, Medicare audits, tax audits, employment disputes, as well as cover for statutory penalties (such as privacy breaches) and loss of income if you are required to attend court. Be aware that some policies impose excesses/deductibles in certain circumstances which must be paid if assistance is required under your policy. Some medical indemnity insurers cover the treatment of public hospital patients if you are not otherwise indemnified. If you provide any medical services overseas, even in the form or teaching or lecturing, you should check with your insurer if you are covered. Medical indemnity insurance in Australia is provided on a ‘claims made’ basis, which means you are required to notify your insurer as soon as you become aware of a claim (or of circumstances which a reasonable person would expect may result in a claim). Any claims made under one policy will continue to be covered by that policy even if you switch insurers. It is also a requirement that your insurance includes adequate retroactive cover for all prior practice in Australia, so it is important you check the retroactive date under your policy (also known as “tail cover”).
Premiums are generally assessed by the doctor’s state of practice, specialisation, claims history and billings band. Not all medical indemnity insurers adopt the same pricing approach and some will specifically assess your premium in accordance with your individual risk profile including actual gross private billings and sub-specialty areas. Some insurers require you to report any increase in income during a policy period (particularly those that adopt a billing band method) and reserve the right to seek additional premium retrospectively. Some insurers offer significant discounts to reward compliance with certain accreditation standards or to assist doctors who are new to private practice. Given the differences in premiums and policies, you may wish to engage an insurance broker who can offer independent advice as to which product is best for you. If you find an insurer that better suits your needs it is possible to switch and your broker can advise you on this also. Your choice of medical indemnity insurance may potentially impact your livelihood, reputation, and savings, so it is in your best interests to investigate your options and find the best policy that suits your individual needs.