Professional indemnity, AHPRA investigation cover, cyber liability, and public liability for Queensland health practitioners — because a complaint doesn't need to result in a finding to be expensive.
These are the exposures that regularly catch Medical & Allied Health off guard — often because they weren't on anyone's radar until a claim was already underway.
A patient who experiences an adverse outcome — whether from a procedure, treatment plan, or clinical recommendation — may lodge a claim against you personally. The cost of defending a medical PI claim is significant, and the process is long. Cover needs to be in place from the first day you practice.
An AHPRA complaint doesn't require a patient to have suffered harm — it can arise from documentation, communication, or a disagreement about treatment approach. The investigation process itself is costly and time-consuming, even when it results in no adverse finding. Not all PI policies cover AHPRA investigation costs.
Health practices hold highly sensitive personal health information protected under the Privacy Act and Australian Privacy Principles. A ransomware attack or data breach involving patient records creates significant regulatory exposure and notification obligations — with penalties for non-compliance.
Telehealth has expanded the geographic scope of many practices. Providing services across state lines or to patients in different jurisdictions can affect the coverage conditions of standard medical PI policies — particularly where the jurisdiction has different regulatory requirements.
Patients visiting your practice premises — including waiting areas, treatment rooms, and car parks under your control — create a premises liability exposure. A patient who trips, falls, or is injured on your premises has a potential claim against you as the occupier.
Medical PI is claims-made. If you retire, join a new practice, or change your practice structure without adequate run-off cover, prior patient care can remain exposed. The long latency of some clinical claims — particularly in obstetrics, paediatrics, and surgical specialties — makes run-off planning critical.
The insurance products most relevant for Medical & Allied Health — each placed through our panel of 20+ specialist insurers.
Covers claims arising from your clinical practice — treatment outcomes, clinical decision-making, documentation, and professional advice. Includes AHPRA investigation costs and regulatory proceedings in comprehensive policies.
Covers the costs of responding to a breach of patient health records — forensic investigation, regulatory notification, patient communication, and business interruption. Health records carry the highest sensitivity classification under Australian Privacy law.
Covers injury to patients, visitors, and third parties at your practice premises — slips, falls, and incidents that occur while patients are in your care but are not related to the clinical treatment itself.
Covers your practice premises, clinical equipment, and office contents. For practices with specialist clinical equipment, accurate asset values and equipment breakdown cover are particularly important.
Three reasons an independent broker delivers more for your premium than buying direct.
AHPRA investigation cover is not automatically included in all medical PI policies. We specifically check for — and insist on — regulatory proceedings cover when placing your policy, so an investigation doesn't create an out-of-pocket cost before a formal claim is even made.
Patient health records are the most sensitive data you can hold. We place cyber insurance alongside your PI as a coordinated programme, ensuring both policies respond correctly and without gaps when an incident involves patient data and clinical claims simultaneously.
Joining a hospital network, moving to part-time practice, retiring, or changing specialties all carry run-off implications. We plan for these proactively — not when the change is already happening and the options are limited.
I assumed the MDO membership I'd held for years was comprehensive. When I reviewed it with Alvero, they identified that AHPRA investigation costs were capped in a way that wouldn't have been adequate if a complaint was lodged. Switched to a standalone policy with proper investigation cover. Paying slightly more, but actually protected.
Answers to the questions we hear most from Medical & Allied Health — no jargon, no spin.
Yes. Medical and allied health PI is a specialist product designed for health practitioners. It is structured around clinical risks, treatment outcomes, and the specific regulatory environment of health practice — including AHPRA registration, the health complaints process, and the Privacy Act obligations that apply to health information. Standard business PI or general professional PI is not adequate for clinical practice.
It depends on the policy. Some medical PI policies explicitly include AHPRA investigation costs as a covered expense — others cap it at a sub-limit that may not cover a complex investigation, and some exclude it entirely. This is one of the most important policy conditions to verify before purchasing, and one of the most common gaps we identify in practitioners' existing cover.
An occurrence-based policy covers incidents that occur during the policy period, regardless of when the claim is made. A claims-made policy covers claims made during the policy period, regardless of when the incident occurred. Most medical PI in Australia is claims-made, which means continuous cover and proper run-off arrangements are critical. If you allow your policy to lapse, prior incidents may be uninsured.
Telehealth consultations are generally covered under standard medical PI policies when conducted within Australia and in your registered specialty. Cross-border or international telehealth services may require specific policy conditions or endorsements. We review your telehealth service model and confirm whether your policy responds — and arrange any necessary endorsements if it doesn't.
Medical PI is claims-made. If your policy lapses when you retire or take a break, clinical care you provided during your active practice years can become exposed to any future claims. Run-off cover (also called extended reporting period cover) extends your PI forward after you stop practicing, typically for 1–7 years. In some specialties with long latency claims, longer run-off periods may be appropriate.
Tell us about your situation and a broker will come back to you within one business day — no jargon, no pressure, no obligation.
Or call us: 07 3155 2296