For your medical indemnity cover can provide you with:

• Market Leading Cover
• Competitive Premiums
• No Membership fees
• AHPRA Approved
• 24 hour Mediological Helpline and Emergency legal cost cover
• Flexible Policy Periods and Renewal dates
• Extended Policy covering both private and public patients

Some of the standard Policy Features and Benefits include:

• Cover for any prior practice activities, even when returning from maternity leave
• Your policy limit of liability will not be eroded by the costs of investigating, defending, adjusting, settling or appealing any claims. Defence costs are provided in addition to you your policy limit giving you added protection.
• Cover for your legal fees in representing you in relation to a coronial inquiry or inquest.
• Access to a 24 / 7 legal helpline when you need to speak to someone urgently.
• Cover for alleged fraud against Medicare, the Pharmaceutical Benefits Scheme, private health fund or any other government programs administered by Medicare by the payment of any benefit or funds to any person who had no legal entitlement to such benefit or funds.
• Improved technology and social media has paved the way for new ways of communication and delivering medical advice. Cover includes delivery of medical advice via electronic.
• Cover for any prior practice activities, even when returning from maternity leave
• Pick a renewal date that suits you. No requirement to be grouped into dates that do not suit your business or personal preference. Policies can be extended up to 14 months.
• Broad definition of healthcare services to minimize the potential for gaps in cover. This includes cover for incidental administrative and managerial services, some clinical trials, clinical teaching activities and emergency medical treatments.
• Cover for fines and penalties handed down for breaches of privacy laws as well as the cost of notifying regulators and patients of the privacy breach.
• No requirement to pay a membership fee
• You are not pigeon holed into billing band categories.
• Premiums are calculated based on your income and healthcare specialty at the start of your policy
• No mid-term increases if your billing are higher than expected
• Cover for fines and penalties handed down for certain breaches of consumer, environmental and workplace health and safety laws. Including cover for the legal fees in defending alleged breaches.
• Protecting your reputation is important. Additional amounts can be available for legal costs if you wish to continue defending a claim. Costs for engaging public relation consultants are also available.
• Mothers returning from maternity leave face the possibility of having gaps in cover. The Australian Government Run-Off Cover Scheme will not cover claims notified after returning from maternity leave. Cover is available to ensure there are no gaps in cover (‘Tail Cover’).
• Cover for lost income when you’ve been required to attend court or an arbitration in relation to claims against you.
• Minimize any potential gaps in cover with protection also available for Public patients claims where your hospital or area health service does not indemnify you.
• Minimize any potential gaps in cover with protection also available for Public patients claims where your hospital or area health service does not indemnify you.

Why use us?

Sunshine State Insurance Brokers is able to manage All your general insurance requirements leaving you with less paperwork & administrative tasks. We can provide you with a broad, competitive & flexible alternative to your current Medical Indemnity program. We manage claims on your behalf and will strive to have them settled quickly, leaving you with more time to deal with your business and patients. We have access to multiple insurers that are offering market leading cover at competitive premiums.

Occupation Classes:

• Anaesthesia
• Bariatric Surgery
• Cardiology
• Cardiothoracic Surgery
• Colorectal Surgery
• Cosmetic Proceduralist
• Dermatology
• Emergency Medicine
• Endocrinology
• Gastroenterology
• General Physician
• General Practice
• General Surgery
• Genetics
• Geriatric Medicine
• Gynaecology/IVF
• Haematology
• Hospital Medical Officer
• Immunology and Allergy
• Infectious Diseases
• Intensive Care
• Medico-Legal
• Nephrology
• Neurology
• Neurosurgery
• Nuclear Medicine
• Obstetrics & Gynaecology
• Occupational Medicine
• Oncology
• Ophthalmology
• Oral & Maxillofacial Surgery
• Orthopaedic Surgery
• Otolaryngology
• Paediatric Surgery
• Paediatrics
• Pain Management
• Palliative Care
• Pathology
• Pharmacology
• Plastic, Recostructive & Cosmetic Surgery
• Psychiatry
• Public And Community Health
• Radiation Oncology
• Radiology
• Rehabilitation
• Respiratory Medicine
• Rheumatology
• Sports Medicine
• Ultrasound – Diagnostic
• Urology
• Vascular Surgery