Under Australian law, all practising medical practitioners must hold insurance that provides cover for their entire scope of practice, whether via their employer’s indemnity arrangements or through their own Medical Indemnity insurer. This means it is mandatory for all doctors in private practice to have their own personal Medical Indemnity insurance. It is also a requirement for registration with AHPRA.
If your insurance or indemnity arrangements specifically exclude any aspect of practice you must not practice in that area. If you discover you do not have appropriate professional indemnity insurance arrangements in place, you are obliged to notify the Medical Board of this within 7 days.
Medical Indemnity insurance generally will not cover your practice entity or employees, and a separate policy will be required for this.