Switch to Praxis
Move your cover across without missing a beat
Switching medical indemnity sounds risky — it isn’t, when it’s done properly. We carry across your retroactive date, keep your cover continuous, and only cancel your old policy once you’re live with us. Here’s exactly how it works.
Why clinicians move
What changes when you switch
The cover you expect from a medical defence organisation, rebuilt around how a modern practice actually runs.
A premium you can actually read
Most renewal notices land as a single number with no working shown. Praxis itemises every line — base premium, the ROCS levy, GST, stamp duty and any government subsidy — so you can see exactly what you’re paying for and why.
Rated on the work, not the title
Your premium reflects your real scope of practice, billings and sessions. Part-time, new-to-practice and lower-volume clinicians stop subsidising a one-size-fits-all rate built around someone else’s exposure.
Cyber and privacy built in
Where incumbents treat cyber as advisory-only or carve it out of the privacy cover, Praxis bundles privacy-breach and cyber cover into clinic policies as standard — the right shape for a practice that runs on cloud systems.
Support that answers the phone
A 24/7 medico-legal advice line and Praxis Law from day one. The same depth of defence and run-off you expect from a medical defence organisation — without the dated forms and phone queues.
The process
Switching is simpler than you think
Four steps, most of which we do for you. You won’t be left to coordinate dates between two insurers.
Get an estimate
Answer a few questions about your specialty, billings and state, and watch your premium build line by line in about two minutes. No PDF forms, no waiting on a callback.
We check your retroactive date & continuity
We confirm your existing retroactive date and continuity of cover from your current certificate of currency, so every incident already covered stays covered when you move across.
We handle the overlap
We align your Praxis start date with your current policy’s end date, so there’s no double-paying for an overlap and — crucially — no gap where an incident has no policy to respond to it.
You’re covered, old policy cancelled
Your Certificate of Currency is issued and your cover is live. Only then is the old policy cancelled, with your continuity intact. One unbroken line of cover, start to finish.
Have your latest certificate of currency to hand — it usually carries your retroactive date and renewal date, which is most of what we need.
No gaps, guaranteed by sequence
The part that actually matters: continuity
Medical indemnity is claims-made— the policy that responds is the one in force when a claim is made, reaching back to your retroactive date. That makes a clean switch entirely about preserving two things: your retroactive date and an unbroken line of cover. We treat both as non-negotiable.
More on switching & eligibilityYour retroactive date moves with you
Continuous cover, by design
No run-off bill from your old insurer
Switch vs stay
What you keep, and what you gain
You keep the protections that matter — your retroactive date, your continuity, government run-off. You gain the transparency and modern UX that traditional cover still makes hard.
See your switch estimate in under two minutes
Build your premium online, then let our team line up your retroactive date and the changeover. No gap, no double-paying, no surprises — just cover that moves cleanly across.
An estimate to help you compare — your premium is confirmed on application.