Employer indemnified doctors - Categories of insurance
Employer Indemnified Categories
Download the Categories of Insurance Guide
a) Introduction
There are a range of Categories for employer indemnified doctors and they are listed in the following table. If you are an Intern, refer Section 6 of the Categories of Insurance Guide for details of the cover available to you.
The Category you select should best reflect your qualifications and/or the nature of the work you undertake.
If you select any of the Employer Indemnified Categories we recommend you:
- Obtain written confirmation from your employer that they will indemnify you for conduct in the course of your employment
- Obtain written confirmation detailing the scope of indemnity provided to you and the extent to which your employer will accept liability for your actions during employment and in particular what insurance they have in place to meet such liabilities. If you are in any doubt, you may refer that document to us so that we can determine the appropriate Category for you
- Clarify the scope of indemnity for consultations with public patients in private rooms and with private patients in public outpatient clinics.
Please note you are not covered under the Policy for matters that arise from practice undertaken under a Rights of Private Practice Agreement.
b) Category listing
| Category |
Includes |
Excludes |
Staff Specialist
With limited Private Practice Intended for Staff Specialists employed in the public sector. If you are a Specialist but not a Staff Specialist you will need to select Salaried Medical Officer >PGY5.
|
Provides cover for:
- Private work you undertake outside of your employment and/or Private Practice Agreement (if applicable), subject to Gross Income from such work not exceeding $10,000 per annum
- Expenses as per Section 1 of the Policy such as:
- Health practitioner board, Tibunal or disciplinary investigations and proceedings
- Coronial inquiries, royal commissions
- Criminal investigations and proceedings
- Professional college or association, health service and health care ombudsman inquiries and complaints
- Good Samaritan Acts and Gratuitous Advice (refer pages 28 and 29 of the Categories of Insurance Guide)
|
- Any private practice in:
- Cosmetics
- Neurosurgery
- Obstetrics
|
Staff Specialist
- Medical Board and Tribunal cover only Intended for Staff Specialists employed in the public sector who only require limited cover. If you are a Specialist but not a Staff Specialist you will need to select Salaried Medical Officer Medical Board and Tribunal cover only
|
Provides cover for: - Expenses in relation to complaints made to a health practitioner board or a Tribunal responsible for your professional discipline or a coronial inquiry, for matters arising out of your conduct as a medical practitioner
- Good Samaritan Acts and Gratuitous Advice (refer pages 28 and 29 of the Categories of Insurance Guide)
|
|
Salaried Medical Officer in Training
Intended for doctors predominantly employed in the public sector who are: - in their 2nd, 3rd, 4th or 5th post graduate year, or
- enrolled in their initial Australian GP or Specialist fellowship program (or who will be enrolled within the next 18 months)
Doctors who already hold an Australian College Fellowship recognised by the AMC are not eligible for this Category
|
Provides cover for: - Private work you undertake outside of your employment
- Expenses as per Section 1 of the Policy such as:
- Health practitioner board, Tribunal or other disciplinary investigations and proceedings
- Coronial inquiries, royal commissions
- Criminal investigations and proceedings
- Professional college or association, health service and health care ombudsman inquiries and complaints
- Good Samaritan Acts and Gratuitous Advice (refer pages 28 and 29 of the Categories of Insurance Guide)
|
- Any private practice in:
- Cosmetics
- Neurosurgery
- Obstetrics
|
Salaried Medical Officer > PGY 5
Intended for doctors employed in the public or private sector who graduated more than 5 years ago and who: - are not enrolled or do not intend to enrol in an Australian GP or Specialist fellowship program, or
- already hold an Australian College Fellowship.
|
Provides cover for: - Private work you undertake outside of your employment, subject to Gross Income from such work not exceeding $10,000 or $25,000 per annum, depending on the Category selected
- Expenses as per Section 1 of the Policy such as:
- Health practitioner board, Tribunal or other disciplinary investigations and proceedings
- Coronial inquiries, royal commissions
- Criminal investigations and proceedings
- Professional college or association, health service and health care ombudsman inquiries and complaints
- Good Samaritan Acts and Gratuitous Advice (refer pages 28 and 29 of the Categories of Insurance Guide)
|
- Any private practice when Gross Income exceeds $10,000 or $25,000 per annum, depending on Category selected
- Any private practice in
- Cosmetics
- Neurosurgery
- Obstetrics
|
Salaried Medical Officer -
Medical Board and Tribunal cover only Intended for doctors employed in the public or private sector who only require cover for expenses for Medical Board and Tribunal matters
|
Provides cover for: - Expenses in relation to complaints made to a health practitioner Board or a Tribunal responsible for your professional discipline or a coronial inquiry, for matters arising out of your conduct as a medical practitioner
- Good Samaritan Acts and Gratuitous Advice (refer pages 28 and 29 of the Categories of Insurance Guide)
|
|
