Frequently asked
questions
HPI Online is a specialist provider of insurance for Allied Health Practitioners. Established in 2011, we are a division of Medisure Indemnity Australia, who are a specialist underwriting agency for healthcare, wellness and lifestyle related risks.
Professional indemnity insurance protects against claims for alleged negligence or breach of duty arising from an act, error or omission in the performance of professional services.
Not sure if you need PI? If you provide any type of product, service and/or advice to your client, and you work in the private sector, you may be liable for costs if a lawsuit is brought against you.
Public Liability insurance protects your business if a client or member of the public is injured or sustains property damage because of your alleged negligent business activities.
Example: Sophie walks into your practice and slips on her way to the reception desk as a result of the floor not being wiped down properly. There were no signs to alert clients that the floor was slippery. Sophie sustains a broken arm and a damaged mobile phone. She files a lawsuit to recover $100,000 in costs associated with her medical bills, phone and loss of income.
Professional Indemnity insurance protects you against claims for alleged negligence, or breach of duty arising from an act, error or omission in the performance of your professional services.
Example: John is a Registered Nurse, who received notice that a complaint had been lodged with the Australian Health Practitioner Regulation Agency (AHPRA), regarding a cosmetic injecting service he had provided. The AHPRA complaint resulted in an investigation being ordered by AHPRA, and John was required to provide a formal response. His HPI policy responded by covering the inquiry costs in relation to the investigation. This included the engagement of external counsel to formally respond to AHPRA.
Receiving a complaint or making a claim can be stressful, which is why we have claims specialists on hand to assist you through the process.
It’s important to advise us as soon as you become aware of any claims or circumstances relating to your services. You can do this via email, to claims@medisure.com.au or by phone on 07 3184 5300.
- Public liability
- Compensation for court attendance
- Good Samaritan acts
- $100,000 inquiry costs
- Legal consultation
- $250,000 lost documents
- $25,000 public relations expenses
- Spousal liability
- $100,000 statutory liability
This list is not exhaustive, to read the full terms and conditions, please click here
Yes, you are covered to work anywhere in Australia, provided you are working within your scope of practice.
What if I provide services to clients via a teleconference facility such as Zoom?
Again, yes. Provided you are based in Australia whilst providing these services, your cover includes telehealth automatically.
Yes, should you choose to cancel your policy for any reason, you can do so within 21 days and obtain a full refund. If you cancel your policy after this time, you will receive a refund based on the period of insurance remaining. Refunds are subject to no claims being submitted.
When answering the duty of disclosure questions, you may find your quote is automatically referred, not to worry! This just means the details of your quote need to be checked over by one of our underwriters to ensure we can provide you cover in line with the answers you have provided.
Referrals are usually processed within 24 hours (Monday to Friday, excluding public holidays). In most cases, once reviewed, you will simply receive an email with a link for you to complete your insurance. If we require additional information, one of our underwriters will contact you directly to discuss.
At any point feel free to get in touch with us if you have any further questions regarding your quote. You can email us here, or alternatively you can phone us on (07) 3184 5300 between 8:00am-4:30pm AEST, Monday to Friday (excluding public holidays).
Yes, this is 1.5% for Mastercard and Visa, and 3.3% for American Express payments.
Premium funding enables you to pay for your insurance policy monthly.
How does it work?
Essentially the premium funding company (Arteva) pays the full premium on your behalf. And you then repay the funding company via 10 monthly direct debits.
This option also allows you to:
- Spread your insurance costs over a longer period
- Smooth out your monthly business cash flow
- Obtain a tax deduction on interest paid for business policies
Arteva’s full terms and conditions are available upon completion of the quote process.
Guidelines and policies
