Terms of use

This is a website operated by Medical Insurance Australia Pty Ltd (ABN 99 092 709 629) under the domain name www.miga.com.au (MIGA Website).

Your use of the information is governed by these Terms and Conditions and MIGA's Privacy Policy.

The information on the MIGA Website is not comprehensive and is intended to provide a general outline only. You should not act on the basis of anything contained on the MIGA Website without first obtaining specific professional advice.

MIGA may keep logs of your visit to this site, which may include information about your server's address, domain name, the date and time of your visit, the pages accessed, any documents you download, previous site visited and the type of browser you use. When paying for a product or service online, MIGA requires your contact information, policy number and payment details. We use a recognised payment service provider to process payments you make using this website. This service provider is committed to protecting your personal information on our behalf.

MIGA will neither identify nor disclose users of this website or their browsing pattern, unless required by law.

MIGA also collects personal information from you when you complete online applications for our products and services and transact with us online. If MIGA collects personal information through this website it will inform you about the nature of information collected, for what purpose it is collected and how this information will be used and, if it is to be disclosed, to whom. MIGA may use cookies for the purpose of collecting information.
Information about the law relates only to the laws of Australia, unless specifically stated otherwise.

Enquiries and emails

To send an email to us, or to make an enquiry online, you will need to complete an email form available on this website. Many of our online forms ask for a limited amount of personal information for contact purposes, such as an email address or telephone number. You have the choice of whether or not to provide additional personal information. Information provided to MIGA either directly or indirectly through these forms will be used by MIGA for the purpose advised to you at the time the information is collected, and to meet MIGA’s legal obligations.

Links to other websites

This site may contain links to sites maintained by other organisations. All linked websites are linked "as is" and MIGA: 

  • Does not sponsor, endorse or necessarily approve of any material on sites linked from or to this site; 
  • Does not make any warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of any material on sites linked from or to this site; 
  • Does not make any warranties or representations that material on other web sites to which this site is linked does not infringe the intellectual property rights of any person anywhere in the world; and 
  • Does not authorise the infringement of any intellectual property rights contained in material in other sites by linking this site to those other sites.

If you use automatic language translation services in connection with this site you do so at your own risk.
The information and data on this site is subject to change without notice.


Copyright subsists in the various forms of work and subject matter on and accessible from the MIGA website. Apart from any use permitted by the Copyright Act 1968, MIGA grants visitors to the site a licence to download, display, print and reproduce this material for private use or use within your organisation, for non-commercial purposes only. No licence to publish, communicate, modify, commercialise or alter this material is granted. For reproduction or use of MIGA’s copyright material beyond this limited licence, permission must be sought from MIGA. That permission, if given, will be subject to conditions that will include a requirement that the copyright owner's name and interest in the material be acknowledged when the material is reproduced or quoted, either in whole or in part. No permission to reproduce or use MIGA's copyright material, other than that expressly stated above, is to be implied by the availability of that material on this site.

Legal Notices

Insurance policies available through Medical Insurance Group Australia (MIGA) are underwritten by Medical Insurance Australia Pty Ltd (AFSL 255906).  Membership services are provided by Medical Defence Association of South Australia.

Before you make any decisions about our policy, please read our Product Disclosure Statement and Policy Wording and consider if our policy is appropriate for you. Call MIGA for a copy or download a copy from this website.

Browser Compatibility

If you are having issues viewing the content on our website, you may be using a browser version that we do not support. Make sure you are using the most recent version of your browser, or try using another browser, to get the full experience.

For assistance updating your browser, please visit What is my browser.

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.