Retroactive cover to ensure you are protected
Policy will provide retroactive cover (“tail cover”) for prior practice you have undertaken.
Medical Indemnity Insurance - Practitioners
Protect your liability, professional reputation, and the future of your practicing career, with quality Medical Indemnity Insurance and advice from Whitbread's specialist insurance advisers.
Leading solutions to protect your future
Whitbread can take care of your Medical Indemnity Insurance needs as a practitioner.
Available through a very select group of insurance advisers, Whitbread can arrange for you a flexible, high quality Medical Indemnity Insurance policy via an array of leading insurers, whilst also delivering specialist advice to ensure you are supported to make the best possible decisions for a secure professional and financial future.
Key policy features
- No set billing bands – risks are individually assessed
- 24/7 Medico Legal hotline
- Tail cover for prior practice
- Private and Public Patients
- Competitive premiums
Please scroll down for more information on covered features.
Insurance specialists for healthcare providers
Whitbread’s many years of experience in providing quality insurance solutions to the healthcare industry has enabled us to partner with respected Medical Indemnity insurers to further enhance the insurance solutions we offer to medical practices and doctors.
Whitbread are one of only a handful of Australian insurance brokers with the capability to offer Medical Indemnity Insurance products to medical professionals.
Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions.
Covered Features
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Your practising activities covered
Broad healthcare services definition to minimise the potential for gaps in your insurance protection.
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Defence Costs in Addition
An additional layer of protection with a ‘reinstatement’ clause to top up the policy limit if exhausted by a claim. Legal defence costs are in addition to the policy limit, to avoid eroding the limit.
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Privacy risks
Covers fines for breaches of privacy laws, as well as the cost of notifying regulators and patients if you experience a privacy breach.
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Loss of income when attending court
Automatic cover for your loss of earnings for time away from your practice while attending court or arbitration in relation to a claim.
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Public Patients Cover
Automatic cover for public patient claims in your practice speciality where your hospital or area health service does not indemnify you.
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Industry first reputation protection
Your reputation has value. A Medical Indemnity policy can contribute to legal costs if you wish to continue defending a claim. It can cover the costs of engaging a public relations consultant to help safeguard your reputation.
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Telemedicine
Cover for telehealth services including real time patient interactions and instant electronic monitoring.
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24/7 Medico-legal hotline
Access to a 24/7 medico-legal hotline to ensure you have access to quality, specialist legal advice when you need it most.
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No billing bands or mid-term increases
No billing band categories or increase to your premium mid-term if gross billings are higher than anticipated.
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No cancellation penalties
No onerous cancellation penalties.
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Flexible policy periods and renewal dates
Capability to be flexible around cover dates in line with your preferences.
