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description=Medical indemnity for doctors. Malpractice insurance for hospitals, clinics, aged, disability care and healthcare entities. Trusted by 35,000+ across Australia.;

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tres and healthcare providers aged care disability providers coverage for residential community and disability support organisations resources risk education risk education practical guides and resources to reduce risks in daily medical practice claims notifications clear steps and support for making or reporting a claim 24 7 medico legal support round the clock expert advice for urgent medico legal issues information for brokers key resources to help brokers support their clients about tego get a quote insurance products insurance products medical indemnity insurance for doctors doctors in private practice starting in private practice doctors in training medical malpractice for hospitals clinics and healthcare entities private hospitals day surgeries general practice dental practices specialist suites radiology pharmacies allied health services other healthcare community organisations aged community and disability care residential aged care disability support ndis faith education and childcare religious institutions education childcare resources support claims notifications clear steps and support for making or reporting a claim 24 7 medico legal support round the clock expert advice for urgent medico legal issues risk education practical guides and resources to reduce risks in daily medical practice information for brokers key resources to help brokers support their healthcare clients who we cover medical practitioners medical indemnity insurance for doctors in private and mixed practice including fellows establishing their private practice medical healthcare entities insurance for clinics hospitals imaging centres and healthcare providers aged care disability providers coverage for residential community and disability support organisations resources risk education risk education practical guides and resources to reduce risks in daily medical practice claims notifications clear steps and support for making or reporting a claim 24 7 medico legal support round the clock expert advice for urgent medico legal issues information for brokers key resources to help brokers support their clients about tego get a quote get a quote medical indemnity insurance that puts you first chosen by more than 30 000 doctors and healthcare providers nationwide expert award winning protection you can rely on medical practitioner quote healthcare entity quote 30 000 trusted by over 30 000 medical and healthcare professionals across australia award winner awarded for delivering excellence in product claims expertise and client support 30 000 trusted by over 30 000 medical and healthcare professionals across australia award winner awarded for delivering excellence in product claims expertise and client support 24 7 experienced medico legal support 24 7 experienced medico legal support who we support from individual doctors to complex healthcare entities we have you covered medical practitioners medical indemnity insurance for doctors in australia combining trusted protection competitive pricing and dedicated medico legal support to help you practice with confidence doctors in private practice get a quote get a quote healthcare entities comprehensive insurance for private hospitals day surgeries medical centres specialist clinics dental practices pharmacies pathology and imaging covering medical malpractice professional indemnity and public liability for healthcare organisations across australia find out more aged community disability care insurance packages for aged care facilities disability support providers and community health organisations covering professional indemnity public liability and medical malpractice to safeguard your organisation and operations aged community disability care medical insurance for doctors we cover 60 specialties and all ahpra medical practitioner categories anaesthetists orthopaedic surgeons general surgeons obstetricians gynaecologists general practitioners cardiologists gastroenterologists plastic reconstructive surgeons otolaryngologists urologists radiologists psychiatrists physicians pathologists emergency physicians paediatricians ophthalmologists neurosurgeons dermatologists cardiologists find out more get personalised quote are you an insurance broker explore how we partner with insurance brokers to deliver competitive and comprehensive indemnity solutions for healthcare professionals and organisations explore broker hub contact us 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 learn more about tego get personalised quote 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 explore claims notifications 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 visit support hub contact us contact our team online or by phone for assistance with your policy claims cover or general enquiries we ll respond promptly find documents forms testimonials what doctors and healthcare professionals say about working with tego the cover with tego was more comprehensive than my existing insurer and i was pleasantly surprised to see some great savings on my premium tego are attentive and treat me like an individual not just a policy holder dr benjamin olesnicky anaesthetist 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 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 dr david moore obstetrician gynaecologist fertility specialist i recently had a rather unpleasant interaction with a patient and their family i contacted tego immediately who very quickly put me in touch with a lawyer who was based locally and very helpful and accommodating and answered my calls and emails even out of work hours i m very grateful for the support that the tego and the lawyer they engaged provided dr yi zhong zhuang consultant neurologist 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 dr alina zeldovich ophthalmologist 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 johnny levy medical director primary healthcare limited resources risk education expert insights to help you reduce medico legal risks and stay confident in practice what is medical indemnity insurance medical indemnity insurance is a specialised form of professional indemnity insurance designed specifically for doctors and healthcare practitioners it provides legal defence costs compensation payments and settlements regulatory investigation support e g ahpra notifications coronial inquest representation civil liability protection unlike general professional indemnity insurance medical indemnity policies are tailored to clinical risk billing levels scope of practice and specialty exposure in australia medical indemnity insurance is mandatory for registered doctors how much is medical indemnity insurance the cost of medical indemnity insurance in australia varies depending on several key factors specialty and risk profile annual billings claims history scope of procedures performed public vs private practice mix location and jurisdiction indicative ranges low risk non procedural specialists may pay from a few thousand dollars per year higher risk procedural specialties e g surgery obstetrics can pay significantly more insurers typically rate based on billing bands and specialty risk categories it is important to compare like for like policy limits and ensure retroactive cover is maintained who needs medical malpractice insurance in australia any healthcare practitioner who provides clinical services must have appropriate medical indemnity insurance to meet ahpra registration requirements this includes doctors gps and specialists surgeons and proceduralists anaesthetists radiologists and pathologists psychiatrists and other non procedural specialists locums and visiting medical officers cosmetic doctors and practitioners performing injectables medical practices and incorporated entities even if you work in a public hospital provide telehealth only or practise part time you may still need individual cover medical indemnity insurance protects you against claims of negligence complaints to regulators civil liability claims and medico legal investigations what is medical malpractice insurance medical malpractice insurance more commonly called medical indemnity insurance in australia protects healthcare practitioners against claims arising from clinical practice it covers allegations such as misdiagnosis or delayed diagnosis surgical or procedural errors medication errors failure to obtain informed consent breach of duty of care if a patient alleges harm due to your treatment your insurer manages the legal defence expert reports negotiations and any settlement or court award subject to policy terms and limits in australia doctors must hold compliant cover under the medical indemnity act 2002 and meet ahpra requirements what does medical indemnity insurance cover a comprehensive medical indemnity insurance policy in australia generally covers civil liability claims defence costs for negligence allegations ahpra investigations and regulatory complaints coronial inquests privacy breaches where endorsed defamation arising from professional services vicarious liability for employed staff subject to wording most policies also include automatic reinstatement of the limit of indemnity and cover for past practice provided continuous cover has been maintained exclusions may apply for criminal conduct intentional wrongdoing practising outside your declared scope known claims or circumstances not disclosed always review the product disclosure statement pds and policy wording carefully how to choose the right medical indemnity insurance as a recent fellow if you are a recent fellow or newly qualified specialist your indemnity decision will impact your career long term consider starting in practice discounts some insurers provide a discount for new fellows in their first few years of practice continuous cover and retroactive date ensure your policy protects your entire training period and maintains an unbroken retroactive date claims support look for access to senior medico legal advisers not just a call centre flexibility your practice model may evolve public private mix procedural scope telehealth choose a policy that can adapt transparent pricing understand how billing bands work and how premiums scale as your income grows run off cover confirm your entitlements if you retire move overseas or cease practice compare medical indemnity insurance australia when comparing medical indemnity insurers in australia consider more than just price key comparison points policy structure any one claim vs aggregate limits automatic reinstatement retroactive cover claims management dedicated medico legal team in house vs outsourced claims speed of response financial security underwriter strength e g lloyd s syndicates or global insurers reinsurance arrangements coverage breadth ahpra and regulatory defence public liability inclusion telehealth and cosmetic coverage run off options pricing methodology billing band transparency discounts for part time practice claims free recognition a true comparison should assess wording differences not just premium doctors and business the medical profession holds a unique position in society being a doc read article block financial pain summary most medical specialists today particularly anaesthetists read article causation what you should and should not ask your expert when medical practitioners are sued they understandably tend to concl read article a guide to medical indemnity insurance in australia understanding medical indemnity insurance in australia medical inde read article clientsupport tego com au 1300 834 683 insurance products medical indemnity insurance for doctors medical malpractice for hospitals clinics and practices aged community and disability care resources about us risk education family domestic violence policy statement financial hardship policy statement lloyd s complaints process contacts support 24 7 medico legal support claims notifications contact us get a quote general advice on this website has been prepared without taking into account your objectives financial situation or needs before acting on the advice consider its appropriateness consider our disclosure documents which include our fsg and product disclosure statements pds for some products the general insurance code of practice the code has been designed to raise the customer service standards in the australian insurance industry and protects the rights of policyholders it s the general insurance industry s promise to be open fair and honest in the way it deals with all its customers the objectives of the code are to promote better more informed relations between insurers and their customers improve consumer confidence in the ...