As your career evolves your practice circumstances can change frequently, particularly in the early stages of your career. Whether you are entering your initial fellowship training program, heading into private practice, moving interstate or retiring, your insurance with MIGA provides you with broad coverage. There are however some instances where changes need to be notified to MIGA to ensure that you remain appropriately covered.

Commencing training as a GP Registrar in private practice
Have you recently commenced training as a GP Registrar in private practice? If so, you need to contact MIGA to check your level of cover. Doctors covered under our Salaried Medical Officer in Training category are not covered for work as a GP Registrar in a private practice, but we offer GP Registrar categories designed specifically for doctors undertaking GP Registrar training in private practice.

Completing a specialist training program
Have you recently completed a specialist training program and commenced work as a specialist? If so, you may need to contact MIGA to check your level of cover. We offer a wide variety of categories for both public sector and privately practising specialists and we can assist you with amending your cover to the best category to suit your needs as a specialist.

Commencing private practice
Have you been practising in the public sector and recently commenced private practice? If so, you may need to contact MIGA to check your level of cover. Many of our Hospital Doctor categories offer cover for limited private practice, however, depending on the amount of your private practice billings you may require a change in your level of private practice Gross Income or category of practice. We can assist you with determining if any changes are needed.

Moving interstate or undertaking additional practice interstate
Have you recently moved interstate or commenced any additional practice in another state? If so, you may need to contact MIGA to check your level of cover. Your principal state, or states, of practice are recorded on your policy and appear on your Certificate of Insurance. If you are now practising in another state, be sure to let us know so that we can update your principal state of practice and also update your contact details. If you are undertaking frequent work in more than one state, we can assist you with adding additional states of practice to your policy.

Ceasing private practice
Have you recently ceased private practice and commenced working in the public sector? If so, you may need to contact MIGA to check your level of cover. We offer a range of Hospital Doctor categories that may be better suited to your needs. If you are no longer undertaking any private practice, we can assist you determine if any changes are required to your policy.

Going on maternity leave
Have you recently commenced maternity leave, or intending to commence maternity leave? If so, you may need to contact MIGA to check your level of cover. We can assist you with temporarily suspending your policy whilst you are not practising and arranging Run-off cover for any claims that may be made against you whilst you are on leave and not practising. The Federal Government provides Run-off cover free of charge to doctors on maternity leave under their Run-Off Cover Scheme (ROCS) policy and we can help you put this in place.

Retiring from medical practice
Have you recently retired from either private practice or all medical practice, or are intending to retire either private practice or all medical practice? If so, you may need to contact MIGA to check your level of cover. If you have retired from private practice, we can assist you with amending your cover to a more suitable category. If you have retired from all medical practice, we can assist you with retiring your policy and arranging Run-off cover for any claims that may be made against you after you have retired. The Federal Government provides Run-off cover free of charge to doctors who retire from either private practice or all medical practice over the age of 65 and we can put this in place for you.

Change in contact details
Have you moved house recently or changed your email address? Be sure to let us know so that we can update your file and ensure that we can continue to provide you with up to date information on MIGA and your Medical Indemnity Insurance policy.

If you need to change your details at any time or are not sure if you are appropriately covered, you can call MIGA on 1800 777 156 and speak with our friendly Client Services Officers or you can send an email to clientservices@miga.com.au.

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