Why do I need insurance?

Why do medical students need insurance?

"Isn't a medical indemnity insurer someone you only need when a patient sues you?"

This is a common misperception when in fact the benefits of cover with MIGA extend far beyond this.

We understand it can sometimes be difficult to recognise the importance of medical indemnity for students, which is why we have developed case studies highlighting how MIGA, through your insurance policy and membership, can assist you to deal with difficult and unfamiliar situations.

Case Study - 'Come fly with me!'

Assisting in a medical emergency - without insurance cover, your instincts could actually land you in trouble.  Read Matthew's story about assisting a fellow passenger suffering chest pain aboard a flight to Perth - it shows that even as a medical student you never quite know when you could become involved in a medical emergency!

Case Study - 'What have I got myself into?'

As you enter the later years of your study, clinical placements form an important part of your learning.  Unfortunately they can also expose you to situations like coronial inquiries and criminal investigations.

Don't imagine this could happen to you?  Neither did the student in this case study.  After meeting a victim of child abuse on a placement, he was asked to submit a written report to child protection services and appear in complicated and intimidating legal proceedings in court.  As the case reveals, you don't need to be at fault to be involved with police - you may simply witness or hear something that is required to be submitted as evidence.

As you can see, there are many interactions which can result in the need for advice and support of a medico-legal nature.  Don't take unnecessary risks - join MIGA and Study with confidence.

To access our free Protection Package for medical students, join MIGA by completing our simple online Application Form.