Policy cover
What does MIGA's Student Policy cover?
Medical and professional indemnity is our area of expertise - we've been in business for over 110 years. But we also acknowledge that insurance terminology can be difficult to understand when it's not something you deal with every day like we do - after all you're studying medicine, not insurance!
We explain here the aspects of your cover - in simple terms and without any legal mumbo jumbo. Of course if you have any questions in relation to your cover we always encourage you to contact one of our friendly Client Services Officers on 1800 777 156.
You can be confident MIGA's student policy automatically covers you for:
These inclusions are explained in more detail below:
The policy includes cover for elective placements worldwide (including USA) and scholarship placements like John Flynn Scholarships. Providing your elective has the prior approval of your medical school or university, cover for your elective is automatic - there is no need to notify us of your intention to travel, nor is your elective cover subject to an approval process.
We recognise the busy life of a student, so keeping things simple for you is important to us. You can undertake your elective and scholarship placements confident that you have insurance protection and the resources of MIGA to support you, should you need it.
Under the policy, you are covered for clinical placements that you are required to undertake as part of your medical studies by your medical school or university that you are not otherwise indemnified for. Such placements can expose you to unfamiliar or uncomfortable situations and MIGA is available to provide you with advice in relation to these.
You may also be required to provide proof of medical indemnity insurance prior to commencing elective or scholarship placements. Our student members can easily obtain a copy of their Certificate of Insurance by contacting our Client Services Department on 1800 777 156.
A Good Samaritan Act is defined as when you provide emergency assistance in a true emergency situation, provided you do not request payment or reward for the service and you do not provide ongoing care.
See a person injured in an accident on your way to uni and think you'll do a good deed by lending them a hand? Without insurance cover, your instincts could actually land you in trouble. Don't worry, because as a student member of MIGA you can carry out your good deeds with confidence, knowing you're covered (providing they are performed in Australia or overseas whilst on an elective).
Matthew, an MIGA student member, found himself in just a situation assisting a fellow passenger aboard a flight to Perth - read his story here.
Registration with the National Medical Board is compulsory. Your university provides the Board with your details (you may not even realise you're registered), and this registration may expose you to inquiries or investigations. Fortunately, your policy with MIGA ensures you are covered for these matters and that you have access to support or advice you may require.
Through your conduct as a medical student - for example during a clinical placement - you may be drawn into a coronial inquiry or criminal investigation. You do not have to be at fault to be involved - you may simply witness or hear something that is required to be submitted as evidence.
In such situations we can provide you with the advice and support you need, alleviating any concerns or fears you may have about the possibility of appearing in court.
After meeting a victim of child abuse on a clinical placement, an MIGA student member was asked to submit a written report to child protection services and appear in complicated and intimidating legal proceeedings in court. Read the scenario and find out about the support he received from MIGA.
Full details in relation to our policy benefits are provided in Sections 1 and 2 of the Combined Financial Services Guide and Product Disclosure Statement and Medical Student Policy wording.
Join MIGA and Study with confidence - simply complete our online Application Form.
