Medical Indemnity for insurers

Medical Indemnity legislation strengthens the availability of medical services in Australia.

The Medical Indemnity Act 2002 provides financial assistance to help keep Medical Indemnity insurance premiums affordable for medical practitioners.

You can read the Medical Indemnity Act 2002 on the Federal Register of Legislation website.

Medical Defence Organisations (MDOs) and Medical Indemnity Insurers (MIIs) can make claims under Medical Indemnity Schemes we administer.

MDOs and MIIs must be incorporated in Australia to participate.

Allied Health High Cost Claim Indemnity Scheme (AH HCCS)Under this scheme the government funds 50% of the amount of claims that exceed the AH HCCS threshold, up to the limit of an allied health professional’s indemnity. Exceptional Claims Indemnity SchemesUnder these schemes the government funds 100% of claims that exceed the limit of an indemnity insurance contracts for allied health and medical professionals. High Cost Claim Indemnity Scheme (HCCS)Under this scheme the government funds 50% of the amount of claims that exceed the HCCS threshold, up to the limit of a medical practitioner’s indemnity. Incurred But Not Reported Indemnity Scheme (IBNR)This scheme helps participating Medical Defence Organisations (MDOs) where they are not able to cover their IBNR liabilities. Run off Cover Indemnity Scheme (ROCS)This scheme helps Medical Defence Organisations (MDOs) and Medical Indemnity Insurers (MII) cover claims made against medical practitioners who are not working.

Page last updated: 30 October 2020