Cover For Healthcare Specialists
When you're providing professional healthcare advice, you need to insure you're adequately protected. Our Medical Indemnity Insurance policies give you the piece of mind that you're covered and protected, so you can focus on providing outstanding medical care to your patients.
Key Product Highlights
For Your Medical Indemnity Insurance Policy
Retroactive cover to ensure you are protected
Our policy will provide retroactive cover ("tail cover") for any prior practice you have undertaken
Your practicing activities covered
We have a broad healthcare services definition to minimise the potential for gaps in your insurance
Protecting your reputation is paramount
Your reputation has value. Our policy can contribute to legal costs if you wish to continue defending a claim. We also cover the costs of engaging a public relations consultant to help safeguard your reputation.
Flexible policy periods and renewal dates
Start benefiting from our enhanced features now. Renew with WSC at any time of year and choose extended policy periods of up to 14 months.
Defence Costs in Addition
Our policy provides an additional layer of protection with a reinstatement clause to ‘top up’ the policy if exhausted by a claim. Defence costs are also in addition so they do not erode the policy limit.
No gaps when returning from maternity leave
Mothers are eligible for the Australian Government Run Off Cover Scheme when on maternity leave, but the scheme will not cover claims notified after a return from maternity leave. Our tail cover means returning mothers face no unexpected gaps.
Public Patients Cover
We automatically cover public patient claims in your practise speciality where your hospital or area health service does not indemnify you.
No membership fees or cancellation
We do not charge membership fees or have onerous cancellation penalties or lock in provisions.
No billing bands or mid-term increases
We do not put you in billing band categories or increase your premium mid-term if your gross billings are higher than anticipated.
Loss of income when attending court
We automatically cover your loss of earnings for time away from your practice while attending court or arbitration in relation to a claim.
Our policy can cover fines for breaches of privacy laws as well as the cost of notifying regulators and patients if you have a privacy breach.
Don't let a statutory fine catch you off guard
Our policy can cover you for the defence costs and fines levied against you for certain breaches of consumer, environmental and workplace health and safety laws.
Emergency defence costs
If you need to engage lawyers in an emergency resulting from your healthcare practice, our policy will reimburse you for these costs until such time you could reasonably have notified the insurer.
We cover telehealth services including real-time patient interactions and instant electronic monitoring.
Needle Stick Cover
We provide an automatic lump sum payment if you are diagnosed with a covered communicable disease and are required to retire, retrain or revise your practice.
Cover For All Healthcare Services & Providers
Your Next Step?
Read the PDS (Product Disclosure Statement) or Download the application form.
(Then email completed copy to firstname.lastname@example.org)
Don't risk underinsurance or not being insured at all.
Having insurance is great (and needed), but the last thing you want is to find out you're underinsured or don't have insurance protection for something you should have (or worse thought you did have!). The right insurance policy is made up of multiple insurance products, which is why it's easier and better for you to use an insurance broker to find the perfect solution for your business.