The ‘trigger date’ for cover under medical indemnity insurance policies is the date the claim is first made against the doctor which may be years after the consultation. This means all doctors need to maintain cover for a period of time after they have ceased practising.

The Run off cover scheme (ROCS) run by the government provides free cover to doctors in various scenarios such as:

  • Aged over 65 and permanently retired
  • Under 65 but have not worked in private practice for 3 years
  • Permanently disabled or the estate of a deceased doctor
  • Currently on maternity leave
  • Overseas doctors who practiced in Australia on a 422 / 457 visa and have left permanently