Specialist insurance solutions for Health Professionals

Frequently Asked questions

Specialist PI Insurance for Smart Health Professionals

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What is Professional Indemnity insurance?

Professional indemnity insurance protects against claims for alleged negligence or breach of duty arising from an act, error, or omission in the performance of professional services.

Still not sure if you need Professional Indemnity insurance? If you provide any type of product or service to your client and you work in the private sector you may be liable for costs if a Professional Indemnity or Civil Liability lawsuit is brought against you. For full terms and conditions please click here.

To obtain a quote please click here.

Why is it important to review your insurance?

The importance of Professional Indemnity insurance is to ensure your business is not exposed to any unnecessary risks.

We all know in business circumstances change; you might start providing new services to your clients or how you provide these services to your clients may change. Whether you are an existing customer or your current policy with another provider is due for renewal, it’s important to review your cover to ensure it’s the right policy for you.

With HPI Online you can obtain a quote here. Our insurance specialists are available via email and phone to answer any questions you may have.

Who is HPI Online?

HPI Online is a specialist provider of insurance for Nurses, Pharmacists and Allied Health Practitioners. Established in 2011, we are backed by Medisure Indemnity Australia who are a specialist underwriting agency for healthcare, wellness, and lifestyle related risks.

To see the benefits under our Professional Indemnity policy features please click here.

What is the difference between Professional Indemnity Insurance and Public Liability cover?

Public Liability Insurance protects your business if a client or member of the public is injured or sustains property damage because of your alleged negligent business activities.

Example: Sophie walks into your medical practice and on her way to the reception desk slips as a result of the floor not being wiped down properly. There were no signs to alert customers that the floor was slippery. As a result of Sophie’s fall, she sustains a broken arm and a damaged mobile phone. Sophie files a lawsuit to recover $100,000 in costs associated to her medical bills, phone, and loss of income.

Professional Indemnity Insurance protects you against claims for alleged negligence, or breach of duty arising from an act, error, or omission in the performance of professional services.

Example: John is a Registered Nurse, who received notice that a complaint had been lodged with the Australian Health Practitioner Regulation Agency (AHPRA) regarding a cosmetic injecting service he had provided. The AHPRA complaint resulted in an investigation being ordered by AHPRA.

John was required to respond to AHPRA. His HPI policy responded by covering the inquiry costs in relation to the investigation. This included the engagement of external counsel to formally respond to AHPRA. No further action was undertaken by AHPRA following the submitted response.

Who is AHPRA? The Australian Health Practitioner Regulation Agency (AHPRA) are the health practitioner’s regulator in Australia.

What Professions do we cover?

Our Professional Indemnity Insurance policy provides cover for (but not limited to):

  • Aboriginal Health Services
  • Acupuncturist
  • Aged Care Services
  • Audiologist
  • Cosmetic Nurse
  • Counselling and Social Work
  • Dental Prosthetist
  • Dietician
  • Disability Care Services
  • Enrolled Nurse
  • Exercise Physiologist
  • First Aid Services and/or Training
  • Fitness Instructor
  • Health Program Manager
  • Homeopath
  • Hydrotherapy
  • Infection Prevention and Control Practitioner
  • Life Coach
  • Massage Therapist
  • Mental Health Nurse
  • Midwife (training and education only)
  • Natural Therapist
  • Naturopath
  • Nurse Practitioner
  • Nutritionist
  • Occupational Therapist
  • Optometrist
  • Orthotist
  • Paramedic (no intensive care)
  • Pharmacist
  • Physiotherapist
  • Podiatrist
  • Practice Manager
  • Practice Nurse
  • Primary Healthcare Nurse
  • Psychologist
  • Registered Nurse
  • Rehabilitation Consultants/Counsellors
  • Rural Nurse
  • Speech Pathologist
  • Sports Science Services
  • Yoga/Pilates Services

Note: If your profession is not listed above please get in touch with us by sending us an email here or by phone on 07 3184 5300.

What happens if the activities I perform, or my occupation is not on the list?

HPI Online is backed by Medisure Indemnity Australia, who are specialist underwriters in the healthcare industry, so we may still be able to provide cover. To enquire, send us an email by clicking here or alternatively you can phone us on (07) 3184 5300 between 8:30am-5:00pm AEST, Monday to Friday (excluding public holidays).

What Limits should I Choose?

We would suggest talking to your governing body or employer to discuss any industry standards or requirements that may apply to you and your occupation.

If you find there is no required insurance limit, then the amount you wish to be covered for is entirely up to you.

The limits we provide cover for are:

Professional Indemnity: depending on your occupation, we offer limits from $1 million through to $20 million.

Public Liability: $10 million or $20 million.

Am I covered if I work at multiple locations?

Yes, you are covered to work anywhere in Australia, provided you are working within your scope of practice.

What if I provide services to clients overseas via a teleconference facility such as Zoom?

Again, yes. Provided you are based in Australia whilst providing these services your cover will not be affected.

What is my excess?

For Professional Indemnity claims, in most instances there is a nil excess (exceptions to this can be found listed below).

Optometry Services excess $1,000

Orthotics services excess $2,000

Paramedic Services (no intensive care) excess $2,000

Midwives excess $500

Physician Assistant excess $1,000

All Public Liability claims are subject to an excess of $500.

What are my key policy benefits?
  • Public Liability – $10m Limit of Liability included with option for $20m Limit of Liability available
  • Compensation for court attendance
  • Continuous cover
  • Extended reporting period
  • Good Samaritan acts
  • $100,000 inquiry costs
  • Joint Venture liability
  • Legal consultation
  • $250,000 lost documents
  • $25,000 public relations expenses
  • Run-off cover
  • Spousal Liability
  • $250,000 Statutory Liability

To read the full terms and conditions please click here.

What happens after I’ve purchased my policy?

Immediately after payment you will receive a Tax Invoice, Certificate of Currency, and a copy of our Product Disclosure Statement (PDS) sent directly to your nominated email address.

If you have not received your policy documents, please check your promotions or spam folders since different email providers sometimes incorrectly categorise outbound emails.

It’s important you let us know of any changes to your email address, as this is where we will send all future correspondence, like your renewal information.

You can update the email address we have on file for you by sending us an email here, or alternatively you can phone us on (07) 3184 5300 between 8:30am-5:00pm AEST, Monday to Friday (excluding public holidays).

Do I have a cooling off period?

Yes, should you choose to cancel your policy for any reason, you can do so within 21 days and obtain a full refund. If you cancel your policy after this time, you will receive a refund based on the period of insurance remaining. Refunds are subject to no claims being submitted.

Why has my quote has been referred?

When answering the duty of disclosure questions, you may find your quote is automatically referred, not to worry! This just means the details of your quote need to be checked over by one of our underwriters to ensure we can provide you cover in line with the answers you have provided.

Referrals are usually processed within 24 hours (Monday to Friday, excluding public holidays). In most cases, once reviewed, you will simply receive an email with a link for you to complete your insurance. If we require additional information, one of our underwriters will contact you directly to discuss.

At any point feel free to get in touch with us if you have any further questions regarding your quote. You can email us here, or alternatively you can phone us on (07) 3184 5300 between 8:30am-5:00pm AEST, Monday to Friday (excluding public holidays).

What is Run-Off Cover?

If you retire, cease providing services, or choose to sell your business, then ‘run-off’ cover will indemnify you in the event of any complaints or claims that may arise from services you provided previously.

This cover is voluntary, and can only be put in place on an existing policy. To arrange run off cover, contact us by email here, or alternatively you can phone us on (07) 3184 5300 between 8:30am-5:00pm AEST, Monday to Friday (excluding public holidays).

What is the length of time run-off cover is required for?

Unfortunately, there is no standard answer to this question, as the length of time that run off cover is available depends on the ‘statutes of limitations legislation’ applying to different types of claims. If you require more information you may like to speak to your association or governing body.

If I pay by Credit Card is there a surcharge?

Yes, this is 1.5% for Master Card and Visa, and 3.3% for American Express Payments.

Tell me more about the finance option through ‘Premium Funding’

Premium funding enables you to pay for your insurance policy monthly.

How does it work?

Essentially the premium funding company pays the full premium on your behalf. And you then repay the funding company via 10 monthly direct debits.

This option also allows you to:

  • Spread your insurance costs over a longer period
  • Smooth out your monthly business cashflow
  • Obtain a tax deduction on interest paid for business policies

‘Premium Funding’s’ full terms and conditions are available upon completion of the quote process.

How do I make a claim, or notify you of a complaint?

Receiving a complaint or making a claim can be stressful, which is why we have claims specialists on hand to assist you through the process.

It’s important to advise us as soon as you become aware of any claims or circumstances relating to your services. You can do this via email to claims@medisure.com.au or by phone on 07 3184 5300.

Travel Insurance through HPI

HPI Online has partnered with insure4travel to offer you travel insurance for business, conferences, and holidays. Insure4travel is underwritten by Berkshire Hathaway Speciality Insurance Company, which is one of the largest insurers in the world.

Some of the things they cover:

  • Travellers aged up to 90
  • Non-Australian residents
  • Most pre-existing medical conditions
  • Unlimited overseas medical expenses
  • Cancelled trips/missed connections
  • Terrorism
  • Cruises/ riding scooters/ motorbikes
  • Gadgets frequent flyer points
  • Heaps of sports & activities covered free.

Click here to see our full terms and conditions or to obtain a quick and easy quote please click here.

Financial Services Guide
Medisure Financial Services Guide

Complaints Policy
Medisure Complaints Policy