Medical Indemnity Insurance for Doctors in Training

Yes. While public hospitals provide employer-based protection for clinical work, this cover is designed to protect the hospital — not the individual doctor. Doctors in training can still be personally named in patient complaints, coronial matters, AHPRA notifications and investigations.

In some situations, conflicts can arise between a hospital’s interests and a doctor’s personal position. Having your own medical indemnity policy ensures access to independent, confidential medico-legal advice and 24/7 support focused solely on protecting you.

Hospital insurance generally responds to claims made against the hospital itself and may not extend to matters where your personal conduct, documentation, decision-making or scope of practice is questioned.

Employer cover also does not guarantee access to independent advice. A personal medical indemnity policy provides you with your own representation and medico-legal guidance, separate from your employer, when issues arise.

Yes. Medical indemnity insurance is designed to support doctors facing AHPRA notifications, investigations and regulatory processes.

Importantly, a personal policy gives you direct access to experienced medico-legal advisers who act solely in your interests — including urgent advice outside business hours — which is critical during stressful or time-sensitive regulatory matters.

Your medico-legal exposure changes significantly as you move toward fellowship and independent practice. With Tego, your policy can transition seamlessly as your scope of work evolves, ensuring continuity of cover and ongoing access to medico-legal support throughout your career.

Medical indemnity insurance is required for medical registration in Australia. While hospitals may provide certain protections, doctors in training are still expected to maintain appropriate personal cover that reflects their individual registration and professional responsibilities.

Moonlighting, locum shifts and additional clinical work are usually not covered under public hospital or employer insurance arrangements. Hospital cover is generally limited to work performed within your contracted duties and rostered employment.

Any work undertaken outside those arrangements — including after-hours moonlighting, agency locum shifts, weekend cover, private assisting or short-term placements — typically requires your own medical indemnity insurance policy.

It is essential that all moonlighting and locum activities are fully disclosed to your insurer. Failure to declare this work may result in gaps in cover or claims being declined.

A personal medical indemnity policy ensures you have appropriate protection for these activities, as well as access to independent 24/7 medico-legal advice before accepting additional work and ongoing support if an incident, complaint or investigation arises.