MIGA - Australia's medical indemnity insurance experts for doctors

Protection tailored to your profession

We're here for you, always

Insurance for medical practitioners

We know doctors value support, guidance and a personal approach.  When you deal with us that is exactly what you can expect.  Not just when you make a claim, but at any time you need advice.
Knowing that your insurance policy is your best form of protection, we’ve ensured ours is one of the most comprehensive in Australia.  We also aim to provide value for money, personal support and high quality service that together enable you to practise with confidence each and every day.
Our commitment is about always being there for you, helping and supporting you when you need it most.  With over 120 years of expertise protecting doctors, you’re in experienced hands.

Get a quote for your insurance

It's quick and easy to find out about the protection MIGA can provide.

Plus, you could earn 100,000 bonus Qantas Points when you insure by 31 July 2024!1
(Offer not availoable to doctors insured in some categories including GP Registrars, GP Rural and GP Obstetrics, refer to Ts & Cs and MIGA's Categories Guide of Insurance.)

What does your insurance cover?

These are just examples of the broad protection a policy with MIGA provides. We strive to make our cover clear, simple and unambiguous, because we want you to know and understand exactly what you are getting when you insure with us.

Professional indemnity cover

Extensive $20 million cover for compensation claims against you, and for the costs to defend the claims.

Legal expenses cover

$2 million cover for coronial inquiries, complaints and investigations, and unpaid healthcare you provide – such as emergency assistance or volunteer work.

Treatment of public patients

Automatic cover for care and treatment provided to public patients, to the extent you are not otherwise indemnified.

Employment contract complaints

Defending you in disputes relating to your role as an employee or an employer.

Threats to personal safety

Cover for expenses relating to any threat to your personal safety, or that of your employees or immediate family, arising from your practice.

Supportive & understanding approach to claims management

Our expert team will always look after you, providing advice and keeping you informed throughout the process.

Become an MIGA member today!

Salaried Medical Officers
& Staff Specialists

Private Practitioners

Additional benefits of insuring with MIGA

  • Personalised insurance advice

    When you call MIGA, you’ll always talk to a person, not a computer.  Our passionate team of insurance experts are trained and qualified to give you professional and personal advice that is specific to you.  We understand insurance can seem complex – the good news is we’re here to make it easy for you.  You can request a quote or arrange a call back today.
  • 24/7 medico-legal advice & support

    Access to advice from our expert Legal Services team, not only in the event of a claim, but every day for free medico-legal support on any matter big or small. This includes access to an emergency after-hours service for situations where you require immediate medico-legal support.
  • Risk management education & resources

    We provide a free, industry leading Risk Management Program which assists you to manage risk in your practice and also reduce your insurance costs via a 10% premium discount.  There are a variety of activities available that can be completed at your convenience.  We also have an extensive library of resources to help expand your knowledge and improve practice processes, covering topics such as privacy, health records and adverse outcomes.

    As a client, you also receive our bi-monthly Bulletin, delivering informative articles on risk and claims management, case studies and medico-legal developments.
  • Personal support when you have a claim

    Our Practitioners’ Support Service provides access to both peer and professional support to help you deal with the personal and emotional issues that can arise during a claim.
  • Additional client offers through MIGA Plus

    Through MIGA Plus, you have access to a range of additional products and services aligned with your business and day-to-day practice.  Learn more about our current offers.
  • Easy payment options

    You can enjoy the convenience of annual or monthly direct debit payments at no additional cost!   Establishing a direct debit arrangement ensures peace of mind, knowing you have continuous cover in place.

Prefer to talk to someone?

We’re here to help and would love to discuss how we can protect and support you.

Learn more

Get to know MIGA

At MIGA, our philosophy is focussed on always being there for our clients.  Whether it is arranging your insurance, dealing with a claim, or seeking advice or information, you can rely on us…Always.  Find out more about our ethos, our extensive experience and our passionate team.

Read more

Government arrangements that support your insurance

There are a number of schemes and reforms implemented by the Federal Government that aim to ensure the affordability of medical indemnity insurance.  To find out more about the support available, and how these schemes may be able to assist you, speak to a member of our expert team.

Are you an international medical graduate?

If you’re an overseas trained doctor working or intending to work in Australia, we can help.  We understand it can be confusing learning about what is required to work in another country and appreciate that everyone’s situation is different.

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Do you own a practice?

We offer a wide range of services and products to meet the needs of individual doctors, as well as the practice and healthcare companies they work for.  Our experience ensures we are well-positioned to understand the needs you may have and provide relevant advice.
Our Healthcare Insurance protects practices and companies for claims that may be made against the business entity – does your practice need this protection?
Learn more about this cover, or discuss your circumstances with a member of our expert team.


Policy Documents

Policy Wording

Details the basis on which insurance cover is provided to you.

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Combined FSG & PDS

Contains comprehensive information about the benefits of your insurance.

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Categories Guide

Further details about the insurance and cover options provided by MIGA.

Read more

MIGA Plus Careers Assistance

To help you define and achieve your career goals, MIGA members can access career coaching at special member rates.

Looking to move your career in a different direction? It’s not always clear what you need to do to get to your dream role.  That’s where coaching can help you to define your career goals and chart a course to achieving them.

In partnership with Standout Medical Careers, as an MIGA member, you can receive 10% off Standout Medical Careers Executive Job Coaching Workshops and Individual Coaching Services which include their CV Overhaul and Interview Preparation coaching.
Members can also save 15% on the Standout Career Development Workshop. This workshop is also accredited with the RACGP and earns 13.5 hours of CPD.

Find out more

Offer only available to registered Australian medical practitioners who first insure with MIGA in an eligible fully insured category, as a doctor in private practice, for cover commencing during the period 1 July to 31 July 2024, and who pay in full or enter into a direct debit arrangement by 31 July 2024 and pay at least one instalment by 24 August 2024, who have not exercised their rights to cool off or had their insurance cancelled, as per the terms of the Policy. Eligible categories are Allergy, Anaesthesia, Cardiology - Non-Interventional, Dermatology, Endocrinology, Gastroenterology, General Medicine, General Practice (excluding GP Registrars, GP Rural & GP Obstetrics), Genetics, Geriatric Medicine, Haematology, Immunology, Infectious Diseases, Intensive Care - Excluding Neonatal, Neonatal Intensive Care, Nephrology, Neurology, Nuclear Medicine, Occupational Medicine, Oncology, Ophthalmology, Psychiatry, Public Health & Preventative Medicine, Rehabilitation Medicine, Rheumatology, Skin Cancer Medicine, Sports Medicine, Surgical Specialties - Office Pract Only. Fulll Ts & Cs at www.miga.com.au/qantas-bonus-tc-pp.

Insurance policies are issued by Medical Insurance Australia Pty Ltd (AFSL 255906).  MIGA has not taken into account your personal objectives or situation.  Before you make any decisions about our policies, please review the relevant Product Disclosure Statement (which can be found here) and consider your own needs.
Information on this site does not constitute legal or professional advice. If you have questions, or need advice please contact us for assistance.