As a member of MIGA you are part of a ‘mutual’ organisation, collectively owned by our members.  The value of this model lies in its philosophy, where profit is not the central driver, rather the organisation remains true to its original intent of support and protection, with profits directed back into services, reserved for future liabilities or used to off-set premiums for the benefit of members.   

When you insure with MIGA, you receive a lot more than insurance and you deal with an organisation that approaches its business and service provision from a different perspective than a commercial insurer.  For clients who have experienced a claim, the claim management process is more than simply money changing hands.  We are here for you, we consider your well-being and we offer support to you through the process.

Here are some of the services and benefits available to you:

Medico-legal advice and support 
Besides handling claims, complaints and investigations for our clients, we also provide support on topics as diverse as practice advertising, release of medical records, privacy obligations and patient requests for reimbursement of fees.

If you have any questions that arise in your practice of a medico-legal nature, then please call us.  Our Claims and Legal Services team will be able to help you, or direct you to specialist help if required.

Risk management advice and education 
Our Risk Management Program provides opportunities for you to participate in face to face or online sessions with your colleagues, or undertake self-paced online education.  There are resources available online in the Client Area of our website and the team is also available to provide you with advice.  You can also earn College CPD points and MIGA is still the only insurer to recognise the value of your participation by applying a discount to next year’s premium.

Advice about insurance cover for you and your practice entity
Our staff are trained and qualified to provide you with personal advice in relation to your insurance requirements.  This means we can answer your questions and provide you with guidance rather than simply refer you to the Product Disclosure Statement as some insurers do.  Whether it’s your own personal medical indemnity cover or cover for your medical business, we want to make sure you have the right insurance cover so you are properly protected.

When you have a claim 
When you have a claim we are here to help you.  We understand that this is unfamiliar territory for you and we are here to support, guide and work with you.  When an incident occurs that could become a claim, we encourage you to contact us as early as possible as we can reassure you and provide initial advice and guidance on how to best handle the situation from a claim perspective.  Access to advice for emergencies is available 24/7.

You can expect a professional claims management service including ongoing advice, progress updates and comprehensive trial preparation if necessary. We will be with you throughout the process.  If a claim or complaint is causing you personal difficulties, you will also have access to our Peer and Clinical Support Services.

Other benefits

  • Advocacy – seeking sensible, fair, practical and realistic expectations and frameworks for providing healthcare
  • Monthly or annual direct debit payment with no fees
  • MIGA Plus – access to insurance and services via our partners
    – 1 Qantas Point for every eligible $1 paid to MIGA1
    – Business Insurance
    – Business Education
  • Doctors’ Well-being Program
  • Grants Programs for medical students and doctors in training
  • Bi-monthly Bulletins.

MIGA has been insuring doctors for over 119 years and we are passionate about supporting and helping our clients.  Our commitment is to always be there for you whether that involves a claim or simply providing you with relevant advice.

Assistance is only a phone call away, all you need to do is ask.

Thank you again for your support of MIGA.

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