Cover

Two kinds of protection, one mutual

An individual practitioner and the clinic entity carry different exposures — and a complaint can name both. Praxis covers each on its own terms, then bundles them when you run a practice.

For practitioners

Practitioner indemnity

Claims-made medical indemnity for the individual doctor — civil liability up to $20 million, disciplinary and inquiry costs, Good Samaritan acts, public liability and government-backed run-off, wrapped with 24/7 medico-legal advice.

$20m civil liability limit (claims-made)
$2m disciplinary & inquiry costs
Good Samaritan & unpaid care
Run-off cover via the Commonwealth ROCS
24/7 advice + Praxis Law access

See what’s covered For clinics

Clinic & practice cover

Entity-level cover for the practice itself, separate from the doctors who work in it — professional indemnity, public liability for your premises, vicarious liability for your team and cyber & privacy breach cover built in as standard.

Entity professional indemnity
$20m public liability for premises
$1m cyber & privacy breach cover
Vicarious liability for staff
Per-practitioner bundling at a discount

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Levels of cover

Four levels, from solo to whole-of-clinic

Pick a level of cover; our pricing engine then builds your premium on your specialty, billings, state and history. The same mutual sits behind every level.

Praxis Core

Essential claims-made indemnity for individual practitioners.

$10m civil liability limit (claims-made)
$2m disciplinary & inquiry costs
24/7 medico-legal advice line
Run-off cover via the Commonwealth ROCS

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Praxis Plus

Our most popular cover for established practitioners.

$20m civil liability limit (claims-made)
$2m disciplinary & inquiry costs
$20m public liability included
24/7 medico-legal advice + Praxis Law access

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Praxis Premier

Comprehensive cover with cyber, funding and priority support.

Everything in Plus, plus:
$20m civil + telehealth & second-opinion cover
$1m cyber & privacy breach cover
Priority medico-legal & dedicated adviser

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Praxis Practice

Whole-of-clinic cover for the practice entity and its team.

Entity-level professional indemnity for the practice
$20m public liability for the premises
$1m cyber & privacy breach cover
Vicarious liability for employed & contracted staff

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Estimated premiums from $1,800/yr for eligible new-to-practice clinicians. See full pricing →

This information explains how Australia’s medical indemnity framework and government schemes work in general. Eligibility and benefits depend on your circumstances and the current scheme rules — speak with our team about how they apply to you.

Not sure which cover fits your practice?

Build a quote in under two minutes and watch the full premium come together — base, levies, GST, stamp duty and any government subsidy.

Get your quote Talk to the team