!DOCTYPE html> MIGA - Low cost medical indemnity insurance for doctors in training

Discounts for doctors starting in Private Practice

MIGA offers premium discounts across your first 6 years of Private Practice!1

Plus, you will also earn 50,000 bonus Qantas Points when you first insure with MIGA under the terms of our Starting in Private Practice Package before 30 June 2025.2,3

Making the transition into private practice is exciting and rewarding, but can also prove to be overwhelming and costly.

At MIGA we understand the challenges you may face, and have developed our Starting in Private Practice Package to make the transition as straightforward as possible. 
Under the Package you will be eligible for premium discounts within your first six years of private practice1, whether working part-time or full-time.


Find out just how much you could benefit from premium discounts with MIGA for up to 6 years as you build your private practice.

What does your insurance cover?

We know doctors value support, guidance and a personal approach when it comes to insurance.  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.

Professional indemnity cover

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

Legal expenses cover

Up to $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.

Supportive & understanding approach to claims management

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

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.

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 emergency medico-legal advice & support

    Access to support from our expert medico-legal team, not only in the event of a claim, but every day for free support on any matters relating to the healthcare you provide.
    Learn more 
  • 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 discount4.  There are a variety of activities available, from face-to-face Conferences and Workshops, to online activities 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.

    Learn more 
  • 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.
  • 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.

The MIGA Starting in Private Practice Package is a discretionary offer available to eligible practitioners who are predominantly domiciled in Australia and commencing private practice for the first time, or who are transferring to MIGA from another insurer’s first time in private practice arrangement. Individual eligibility may be subject to Underwriting review.  Premium discounts will apply to your base premium and membership fee, before taxes and levies are applied.
2 50,000 bonus Qantas Points offer only available to registered Australian medical practitioners, who are commencing private practice for the first time, or are transferring to MIGA from another insurer’s first time in private practice arrangement and first insure with MIGA under MIGA’s Starting out in Private Practice Package for cover commencing on or before 30 June 2025. MIGA Terms and Conditions for bonus Qantas Points for Starting out in Private Practice are available at: www.miga.com.au/qantas-bonus-tc-sipp.
3 A business must be a Qantas Business Rewards Member and an individual must be a Qantas Frequent Flyer Member to earn Qantas Points with MIGA. Qantas Points are offered under the MIGA Terms and Conditions. Qantas Business Rewards Members and Qantas Frequent Flyer Members will earn 1 Qantas Point for every eligible $1 spent (GST exclusive) on payments to MIGA for Eligible Products. Eligible Products are Insurance for Doctors: Medical Indemnity Insurance Policy, Eligible Midwives in Private Practice: Professional Indemnity Insurance Policy, Insurance for Practice: Professional Indemnity Insurance Policy.  Eligible spend with MIGA is calculated on the total of the base premium and membership fee (where applicable) and after any government rebate, subsidies and risk management discount, excluding charges such as GST, Stamp Duty and ROCS. Qantas Points will be credited to the relevant Qantas account after receipt of payment for an Eligible Product and in any event within 30 days of payment by You.  Any claims in relation to Qantas Points under this offer must be made directly to MIGA by calling National Free Call 1800 777 156 or emailing clientservices@miga.com.au.
4 The risk management discount applies to the insurance premium at your next renewal and not to other charges such as membership fees, GST, ROCS levy or stamp duty.  For full terms and conditions, please refer to the Risk Management Program materials.

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.