Medical Board of Australia — Registration standard: professional indemnity insurance arrangements.
Provider information and Product Disclosure Statements: Avant, MDA National, MIPS, MIGA and Tego.
AHPRA-listed medical indemnity insurers for medical practitioners (Avant, MDA National, MIPS, MIGA, Tego; Guild covers oral & maxillofacial surgeons only).
Every doctor in clinical practice needs their own indemnity cover — but the providers differ in structure, who they're built for, and what's free while you train. Here's a neutral look at the five that cover Australian GPs, and what to actually weigh up.
Holding professional indemnity is a Medical Board registration requirement for every context you practise in. Your hospital or employer cover usually won't extend to Medical Board complaints, coronial inquiries, Medicare audits, disciplinary matters, or work outside that employment — which is why most doctors hold their own policy as well. What you can package into a category, and what it costs, depends on your scope (procedural work, cosmetic, obstetrics) and billings.
🔍 Compare
Your career stage
Structure
Free student / trainee cover
AvantMutual MDO
Free student coverLargest MDO24/7 advice
Australia's largest member-owned MDO, with the biggest in-house medico-legal team. Free student membership and low doctor-in-training premiums, scaling to full GP and specialist cover. 24/7 emergency medico-legal advice.
Member-owned MDO of nearly 100 years, with in-house 24/7 medico-legal support and cover tailored by career stage. Free student membership and low doctor-in-training premiums; policy runs on the financial year.
The Medical Indemnity Protection Society — a member-based MDO covering doctors and students across career stages. Free student membership, discounted trainee cover, and 24/7 medico-legal support.
A not-for-profit MDO operating since 1899. Free cover for students and doctors in training through to the middle of PGY3, then a discounted transition. Covers GPs, registrars and specialists; 24/7 medico-legal support; earns Qantas Points.
An insurer (Lloyd's of London coverholder) rather than a member mutual, covering GPs, specialists, locums and practices. GP categories let you split billings (minor-procedural vs procedural), automatic telehealth cover for patients in Australia, and 24/7 medico-legal advice.
Nothing matches all those filters — try widening one.
📝 What to compare before you switch
Scope match: does the category cover your actual work (procedural GP, skin, cosmetic, obstetrics, after-hours, telehealth)?
What your employer cover misses: Board complaints, coronial inquiries, Medicare audits, disciplinary and employment matters.
Run-off & leave cover: what happens at retirement, parental leave, or if you stop practising (and the Commonwealth run-off arrangements).
How the premium is set: specialty, billings, claims history, location — and whether it's a mutual subscription or an insurance premium.
Support you'll actually use: 24/7 medico-legal advice, in-house vs outsourced, education and member benefits.
The fine print: read the current Product Disclosure Statement and Target Market Determination before deciding.
⚠️ Cover terms, categories, eligibility and premiums vary by provider and change over time — this is a high-level comparison as at June 2026, not a recommendation or financial advice. Confirm details in each provider's current PDS and check the Medical Board's indemnity registration standard. Listing is information, not endorsement.