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

Besides handling claims, complaints and enquiries for our clients, we also provide advice on topics as diverse as practice advertising, contract clauses from an indemnity and medico‑legal perspective, 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 physically participate in 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 fully 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 legal advice, progress updates and comprehensive trial preparation if necessary. We will be with you throughout the process. And if you are having difficulty, you will also have access to our Peer and Clinical Support Services.

Other benefits

  • Monthly or annual direct debit payment with no fees
  • MIGA Plus – access to insurance and services via our partners
    • One 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 118 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.

[1] A business must be a Qantas Business Rewards Member and an individual must be a Qantas Frequent Flyer Member to earn Qantas Points with MIGA. Qantas Points are offered under the MIGA Terms and Conditions (www.miga.com.au/qantas-tc). Qantas Business Rewards Members and Qantas Frequent Flyer Members will earn 1 Qantas Point for every eligible $1 spent (GST exclusive) on payments to MIGA for Eligible Products. Eligible Products are Insurance for Doctors: Medical Indemnity Insurance Policy, Eligible Midwives in Private Practice: Professional Indemnity Insurance Policy, Healthcare Companies: Professional Indemnity Insurance Policy. Eligible spend with MIGA is calculated on the total of the base premium and membership fee (where applicable) and after any government rebate, subsidies and risk management discount, excluding charges such as GST, Stamp Duty and ROCS. Qantas Points will be credited to the relevant Qantas account after receipt of payment for an Eligible Product and in any event within 30 days of payment by You. Any claims in relation to Qantas Points under this offer must be made directly to MIGA by calling National Free Call 1800 777 156 or emailing clientservices@miga.com.au.

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