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Patient care can be complex and can sometimes result in errors that may cause harm to patients. Health service providers may be held liable for personal injuries resulting in costly settlements and legal expenses if sued.

Medical indemnity insurance covers Victorian public health service providers if there are claims for compensation for personal injuries.

What’s covered?

  • Injuries (physical and mental) to patients arising from errors, or negligence of registered health practitioners while providing healthcare services
  • Injuries to patients arising from errors, or negligence of students, under the supervision of registered and experienced staff, while providing healthcare services
  • Liabilities arising from the administration of healthcare or first-aid at the scene of a medical emergency, accident or disaster, as a good representative of the general public
  • Legal costs and expenses for defence and settlement of claims
  • Participation in clinical trials and health and medical research. Clinical Trials Guide [PDF, 1.72MB]

Who’s covered?

  • Victorian public health service employees
  • Contracted registered health practitioners treating public patients of a health service
  • Students under the supervision of a registered health practitioner
  • Rural GPs and registrars under the separate 2022-2023 Rural GP Medical Indemnity Policy [PDF, 778KB]

This is a brief overview of policy features only. Please refer to policy wording below for full details of cover and exclusions.

Risk Rated Premiums   

Policy documents   

Rural General Practitioners

More information

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