General Practice - Categories of insurance

General Practice Categories

Download the Categories of Insurance Guide

a) Introduction

There are a range of Categories for General Practitioners as follows:

General Practice

Non Procedural
Procedural
Rural Private Only (SA Only)
Rural Public & Private (SA Only)

GP Obstetrics

Metropolitan Area (Any State)
Rural (Other than SA)
Rural Private Only (SA Only)
Rural Public & Private (SA Only)

GP Registrar (working outside the public sector)

Non Procedural/Procedural
Procedural including Obstetrics

GP Registrars working within the public sector should refer to the "Employer Indemnified" sections of this website for details of our SMO in Training Category.

The Category you select should best reflect your qualifications and/or the nature of the work you undertake.

If your work is not that of a General Practitioner as outlined in one of the categories for General Practitioners and/or your Gross Income is not predominantly derived from traditional General Practice, you need to select an alternative Category applicable to the work you are undertaking.

Notes

The above Categories do not cover cosmetic procedures as these are covered in the group of Categories called Cosmetic Medical Practice (refer Section 4 of the Categories of Insurance Guide)
Cosmetic Procedure means any procedure directed towards the preservation, correction or improvement of appearance where there are no underlying medical, clinical or pathological reasons for undertaking such procedures, but excludes any professional service in respect of which an eligible person is entitled to a Medicare benefit, within the meaning of the Health Insurance Act 1973.

If you require cover as a GP in rural South Australia for the treatment of public patients, it is important you select one of the two Categories that cover this. If you do not select a Category that covers you for treatment of public patients, you will not be insured for claims arising out of treatment of public patients.

If you undertake a particular clinical activity and it is not clear if it is a procedural or non procedural activity or which Category will apply, please contact us for clarification.

b) Category Listing

Category	Includes	Excludes
GP Non Procedural	Cover is included for non procedural activities normally undertaken by GPs including: Accident and emergency treatment in hospitals Acupuncture and laser acupuncture Allergy testing – Desensitisation Anaesthesia – Local anaesthesia only including digital block and ankle block (no other forms of anaesthesia or sedation for procedures) Aspiration of blood Blood transfusions Cryotherapy for treatment of superficial skin lesions Dislocated joints requiring immediate treatment in surgery setting Exercise ECG with appropriate resuscitation and back up facilities Flaps – Small local flaps and grafts excluding hair transplant flaps Genital warts removal Haemorrhoid treatments – Banding, injections and ligation Hormonal implants Hypnotherapy Immunisation Implanon NXT – Insertion and removal, provided you have completed a training course provided or approved by Merck Sharp & Dohme Impotence treatments – Assessment, intra-cavenosal injections Intra articular steroid injection Intravenous injection and venipuncture IUCD insertion – Provided you have completed a training program comprising theoretical, clinical and practical components, which is accredited by the RACGP for QA & CPD IUCD removal Low level hospital admissions Obstetrics Shared Care (including Ante-natal Care) – As per Shared Care Guidelines (refer pages 13 and 14 of the Categories of Insurance Guide) Orthopaedics – Fractures requiring no reduction or anaesthesia Own simple limb x-rays – excluding hips and shoulders Pathology – Desktop only Photodynamic therapy (PDT) Post mortems Post-operative gastric laparoscopic band adjustments Prescribing of ‘Morning After’ pill Removal of foreign bodies from eye under local anaesthesia Removal of sebaceous cysts Removal of small skin lesions Repair of superficial skin lacerations with closure by primary suture Rigid sigmoidoscopy without biopsy Skin grafts – Split skin and full thickness less than 3 centimetres Sporting team/events coverage Suprapubic bladder tap Surgical assistance TENS treatment – Electrical nerve stimulator Wedge resection of toe nail, excluding complete ablation of the nail bed	• GP Procedural • GP Obstetrics • Laparoscopic procedures • Cosmetic Medical Practice
GP Procedural	Cover is included for all GP Non Procedural activities plus: Anaesthetics – general and regional Arterial line insertion Breast biopsy Bronchoscopy Chest tube/drain insertion Circumcision Colonoscopy – Where GP is accredited Colposcopy Compartment pressure testing Dilation and curettage Drainage of priapism Egg pickup Endometrial biopsy using pipelle aspirator, gynoscan etc Endoscopy – Where GP is accredited Fine needle aspiration biopsy Endovenous Laser Treatment (EVLT) Implanon insertion and removal – If you have not completed a training program which was run or approved by the manufacturer Organon IUCD insertion – If you have not completed a training program comprising theoretical, clinical and practical components, which is accredited by the RACGP for QA & CPD Limited emergency ultrasounds Nerve blocks proximal to wrist and ankle Neonatal care up to 72 hours after birth Neuromyotomy – Non procedural spinal nerve section Orthopaedics including reduction of simple fractures Partial or total ablation of nail growth plate Pathology Spinal manipulation under general anaesthetic Surgery – which you are appropriately trained and accredited to undertake Termination of pregnancy up to 20 weeks Vasectomy X-Rays referred by other practitioners from outside practice	GP Obstetrics Laparoscopic procedures Cosmetic Medical Practice
GP – Rural Private Only (SA Only)	All GP Non Procedural and GP Procedural activities as listed above undertaken in rural areas Plus care provided to Private In-patients	GP Obstetrics Laparoscopic procedures Public In-patients Cosmetic Medical Practice
GP – Rural Public and Private (SA Only)	All GP Non Procedural and GP Procedural activities as listed above undertaken in rural areas Plus care provided to Public and Private In-patients	GP Obstetrics Laparoscopic procedures Cosmetic Medical Practice
GP Obstetrics – Metropolitan Area (Any State)	All GP Non Procedural and GP Procedural activities as listed above Plus Obstetrics	Laparoscopic procedures (other than laparoscopic sterilisation/diagnostic procedures) Cosmetic Medical Practice
GP Obstetrics – Rural (Other than SA)	All GP Non Procedural and GP Procedural activities as listed above Plus Obstetrics	Laparoscopic procedures (other than laparoscopic sterilisation/diagnostic procedures) Cosmetic Medical Practice
GP Obstetrics – Rural Private Only (SA Only)	All GP Non Procedural and GP Procedural activities as listed above undertaken in rural areas Plus care provided to Private In-patients Plus Obstetrics	Laparoscopic procedures (other than laparoscopic sterilisation/diagnostic procedures) Public In-patients Cosmetic Medical Practice
GP Obstetrics – Rural Public & Private (SA Only)	All GP Non Procedural and GP Procedural activities as listed above undertaken in rural areas Plus care provided to Public and Private In-patients Plus Obstetrics	Laparoscopic procedures (other than laparoscopic sterilisation/diagnostic procedures) Cosmetic Medical Practice
GP Registrar – Non Procedural / Procedural (working outside the public sector)	This Category provides cover equivalent to GP Non Procedural and GP Procedural activities as listed above and is applicable to GP Registrars in an accredited GP Registrar training program working outside the public sector Plus private practice undertaken outside of your GP Registrar training program up to $50,000 Gross Income per annum for which you are trained and accredited to undertake	GP Obstetrics Laparoscopic procedures Cosmetic Medical Practice
GP Registrar – Procedural including Obstetrics	This Category provides cover equivalent to GP Non Procedural and GP Procedural activities as listed above (plus Obstetrics) and is applicable to all GP Registrars in an accredited GP Registrar training program Plus private practice undertaken outside of your GP Registrar training program up to $50,000 Gross Income per annum for which you are trained and accredited to undertake	Laparoscopic procedures (other than laparoscopic sterilisation/diagnostic procedures) Cosmetic Medical Practice Private obstetrics outside of your training program

Download the Categories of Insurance Guide