Professional indemnity insurance

  
  Yes, I'd like to add professional indemnity insurance to my APNA membership

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You’ve spent time and effort becoming a nurse. Take charge of your insurance and protect your livelihood.

APNA knows primary health care, and we know the challenges primary health care nurses face. APNA is here to support you, so you can focus on what you love – being a nurse. But what if your livelihood was at risk? 

APNA has worked closely with Insurance House to deliver a professional indemnity insurance policy for our members that we are proud to recommend. Protect your livelihood with a policy in your own name, and take advantage of the exceptional value on offer.

Packed with benefits, it's great value insurance delivered by nurses, for nurses 

  • It’s your professional obligation. Get cover that satisfies your registration requirements – APNA’s member policy is AHPRA/NMBA compliant.
  • Comprehensive cover 24/7 all year round – covers your full scope of practice anywhere in Australia (actually anywhere in the world except the USA and Canada)
  • Exceptional value, 12 months' professional indemnity cover for $130
  • $10m cover per claim, $30m cover per year, and free general legal support
  • Policy issued in your own name; don’t rely on someone else’s policy to protect you
  • Covers Registered Nurses, Enrolled Nurses, and Nurse Practitioners 

Ensure your livelihood is comprehensively protected, and have peace of mind while you get on with what you love – being a nurse.

How much is APNA's insurance?

APNA's professional indemnity insurance runs from 1 April to 31 March each year—the same as membership. 12 months' insurance is $130 in 2021. Insurance bought after April is calculated on a pro-rata basis. Check out the table below to see how much insurance will cost in the month that you buy it. 


 

 

Your questions answered...

Each insured member can access up to 30 minutes of free legal advice from DLA Piper (the appointed legal firm).

The advice can be requested on any legal matter that relates to your professional activity. The legal hotline is commonly accessed for advice in relation to subpoenas, health records and confidentiality issues.

Your policy entitles you to 30 minutes of free legal advice per policy period. Any unused hours or part thereof cannot be aggregated from one period of insurance to another. 

The insured member agrees that any information provided to DLA Piper through the use of the legal hotline may be disclosed to Insurance House.

Advice with respect to a claim/notification of circumstances or an inquiry against you by a professional overseeing body should be directed to Insurance House.

Your policy provides you with access to legal assistance for claims and inquiries covered by your policy. If your legal query relates to a matter not covered by your policy and you have utilised your free legal assistance, you may need to engage your own solicitor at your own cost.

If you wish to make use of the free legal hotline, please contact DLA Piper on (03) 9274 5314 and have your policy number ready to quote.

Read more about the free legal hotline for insured members in the Related Documents section at the bottom of this page.

Who is covered by the APNA member insurance policy?

The APNA member policy is designed to cover all of your activities as a Registered Nurse, Enrolled Nurse, Nurse Practitioner, or student nurse, providing you are suitably qualified and are working in accordance with the Nursing and Midwifery Board of Australia (NMBA) registration standards, professional codes and guidelines.

What is the total amount of cover provided?

Your APNA policy provides you with $10,000,000 cover per claim with two reinstatements, meaning you have access to an annual aggregate amount of $30,000,000 cover.

If I change insurers will the new policy cover my past activities?

Yes, the member insurance policy offers unlimited retroactive cover. This means if you become aware of a new and valid claim under this policy, even if the claim resulted from your past activities, the policy will cover you.

Is the APNA member insurance policy compliant with the Australian Health Practitioner Regulation Agency (AHPRA) insurance requirements?

Yes. To practice in accordance with the Nursing and Midwifery Board of Australia’s Registration Standard: Professional Indemnity Insurance Arrangements, nurses registered with AHPRA must maintain compliant professional indemnity insurance arrangements. 

We are pleased to confirm the APNA policy meets and exceeds all of the requirement set by AHPRA and the NMBA.

Am I covered for legal costs and expenses associated with registration board hearings?

Yes. The APNA member policy provides $10,000,000 per claim including legal costs and expenses for hearings, investigations, tribunals, inquiries into your business services by a professional body or industry association, including:

  • Australian Health Practitioner Regulation Agency (AHPRA)
  • Nursing and Midwifery Board of Australia (NMBA)
  • Health Care Complaints Commission
  • Coronial inquiries

As a nurse I work in a number of different environments, e.g. hospital, general practice, home care. Will I be covered at all of these locations?

Yes, the APNA member policy covers you to practice as a nurse anywhere in the world excluding the USA/Canada providing you are suitably qualified and are working in accordance with the Nursing and Midwifery Board of Australia (NMBA) registration standards, professional codes and guidelines.

Am I covered for cosmetic injectables?

There are a variety of activities that nurses undertake in the course of their professional engagement. We receive a number of enquiries relating to cosmetic injectable treatments. Nurses can be involved in performing a number of injections for different reasons and purposes. Cosmetic injectables are one of these. There are numerous types of substances that are tried and tested and have been used responsibly for some time for this purpose, such as Botox or Fillers. As long as they are prescribed by a qualified Australian registered Doctor or Nurse practitioner you are covered. If they aren’t tried and tested substances, or substances other than Botox or Fillers, such as Vitamin Infusers or there are treatments involving Laser, then you should contact the team at Insurance House so that they can check with the Insurer for acceptance of cover for the activity. Depending on the insurer’s position, you may need to purchase a separate cover.

I’ve been asked to assist a student complete their practical experience. Will I be covered?

Yes, as an APNA policy holder you will be covered for claims made against you or your student for work performed by a student whilst under your supervision.

Is voluntary work covered?

Yes, volunteering is an excellent way to give back to your community but is still considered providing a service. The great news is if you do any volunteer nursing work at a not for profit or charitable community event, then you’re covered for claims arising. Volunteer work can be in any sector, including but not limited to public, private, sporting clubs, sporting events, charities, associations, not for profit organisations, etc.

Am I covered as a locum and for home care visits?

Yes, locums are covered as are home care visits.

I am not a midwife but I do provide antenatal or postnatal nursing services, am I covered for these?

Yes. Midwifery is not covered but services where ‘midwife’ qualifications are not required, such as antenatal or postnatal care/advice, are considered part of scope as a nurse and covered under the policy.

Am I covered when I retire or go on maternity leave?

All members holding an APNA member insurance policy have access to free unlimited extended Run-Off cover if they are retiring or planning to take a long period of leave upon request. 

To activate, contact Insurance House in writing prior to expiry of your policy noting the date that you are ceasing to practice. Insurance House will issue you with confirmation that cover has been activated for your records.

Am I covered if I work as a nurse temporarily overseas?

The policy is valid in all countries excluding the USA and Canada. We recommend members check the local laws and any registration requirements before practicing in any country outside of Australia.

Can I buy Business Insurance from Insurance House?

Yes, Insurance House offers a broad range of both business and personal insurance products. To arrange a quotation please call Insurance House on 1300 213 067

See the full frequently asked questions in the Related Documents section at the bottom of this page.

APNA has designed a very competitive member policy to help “plug the gaps” for nurses who work in one or more workplaces.

If you rely on your employer's policy, it may not cover you for claims resulting from:

  • your services with any previous employer
  • your past, current or future work
  • your services as a contractor, sub-contractor or consultant
  • if you act outside your employment conditions, i.e. local sporting events
  • if you are sued by your employer
  • if you do any volunteer work
  • personal legal support for registration and disciplinary hearings, including coronial inquiries

In addition, you have your own individual $10m cover and access to the free legal assistance hotline for APNA members. For a very minimal cost, APNA has provided members with comprehensive protection covering the above issues.

See the full frequently asked questions in the Related Documents section at the bottom of this page.

APNA’s Professional Indemnity Insurance partner Insurance House is proud to offer cover for nurses at all stages of their careers. If you are working under Supervised Practice arrangements you are covered while working within your Scope of Practice and you comply with the Nursing and Midwifery Board of Australia’s requirements for Supervised Practice.

Can I buy insurance without an APNA membership?

No, the negotiated premiums are for APNA members only.

Join APNA now

How do I take up the offer?

If you're already an APNA member, all you need to do is complete an Application and Disclosure form.

If you're not a member yet, you can join online or by filling out a form here. Then complete an insurance Application and Disclosure form.

What do I do if I have a current policy with another insurance agency and want to take up this offer?

After you have taken out your APNA member insurance policy, send your insurance provider a letter requesting cancellation. Please note, most insurers will provide a refund, but some may charge an administrative fee to cancel. Make sure you have confirmed your APNA member insurance policy first, as you need to have continuous cover.

What do I do if I have a current policy with Insurance House and want to take up the member offer?

Insurance House will provide a pro rata refund for your current policy. Send a letter to Insurance House requesting cancellation of your policy. Make sure you have confirmed your APNA member insurance policy first as you need to have continuous cover.

What happens if I cancel my APNA membership?

This depends on circumstances – you should contact Insurance House directly with respect to your ongoing insurance needs and requirements.

I have a previous claim, can I get insurance in my membership?

The member must disclose the details of the claim when applying. The insurer will accept or decline the request for insurance. In most cases, this process will be simply record keeping for details on the claims history. 

In some circumstances, the underwriter may make special conditions for the individual member or decline the request for coverage. These circumstances would be very rare. 

See the full frequently asked questions in the Related Documents section at the bottom of this page.

Who is Insurance House?

Insurance House is a national insurance broker that provides innovative insurance solutions across all classes of insurance including public liability, professional indemnity and business insurance. Combining their expertise with Lloyd’s of London as the underwriter, Insurance House delivers an innovative insurance offer for APNA members.

Why has APNA chosen Insurance House as their members’ insurance provider?

APNA has partnered with Insurance House to develop a group insurance solution for all employed nurses. Unlike a direct insurer, Insurance House is able to work with a number of insurance companies to bring a tailored offering at a competitive price to APNA members. Insurance House has been chosen due to their:

  • Tailored and broad scope of cover
  • $10,000,000 Limit for Professional Indemnity, Public and Products Liability – per member
  • Competitive premiums
  • High level service
  • Claims support
  • Risk management support

See the full frequently asked questions in the Related Documents section at the bottom of this page.

What support do you provide if I become aware of a claim?

Insurance House has an in-house claims team to assist you through the process, all at no cost and with no time limitation. Importantly, this service extends not only to claims but also circumstances. A circumstance is notification of a potential claim occurring and allows Insurance House to assist you in the very early stages.

Do you offer any support for legal advice?

Yes, as part of the insurance offer, APNA members receive 30 minutes professional legal advice per annum for non-insurance matters. To access this benefit phone 03 9274 5314 and provide your APNA insurance policy number.

What am I expected to pay in the event of a claim?

NIL excess applies to the APNA policy, so you pay nothing in the event of a claim.

Who do I call if I need to make a claim?

If the worst happens, and you need to make a claim, or advise a circumstance, you can contact the Insurance House claims team on 1300 213 067

Does the APNA member insurance policy provide access to expert lawyers?

Yes, APNA insured members are supported by DLA Piper, trusted legal advisors to approximately a third of the ASX 100 companies or their subsidiaries and all levels of government. DLA Piper manage claims for all AHPRA registered occupations, including nursing.

See the full frequently asked questions in the Related Documents section at the bottom of this page.

The good news is, if you purchased your insurance with your APNA membership, which includes Medical Malpractice Combined Liability, then you are covered when working within your scope of practice and registration requirements as a health practitioner. There is no specific exclusion on your policy for infectious diseases including coronavirus (COVID-19).

There is even cover for Good Samaritan Acts, so if you happen to be present by chance at the scene of a medical emergency you are covered. See your policy for more details.

General advice warning:

This advice has been prepared without taking into account your personal objectives, financial situation or needs. You should therefore consider the appropriateness of the advice, in light of your objectives, financial situation or needs before following the advice.

Please obtain a copy of and consider the product disclosure statement (PDS) applicable to the general insurance product before making any decision.

Important

Your APNA member insurance is a claims made and notified policy. This means that you must advise Insurance House of any claim or circumstances which could give rise to a claim immediately so that we can advise the insurer accordingly. Even if the circumstances do not result in a claim, they must be notified to Insurance House during the period of insurance.

How to notify Insurance House of a potential claim

  • Ring Insurance House on 1300 213 067 and ask for a member of the Affinity team. You will be able to advise the relevant claim/notification details over the phone;
  • The preferred option is to print and complete the APNA member claim/notification form available at apna.asn.au/insurance and return the form as soon as possible to flt@ihgroup.com.au. Upon receipt of your claim form, Insurance House will send you an email acknowledging receipt and advising of the next steps.

If you have a claim or an inquiry which is covered by your policy, you will be entitled to legal assistance (if deemed necessary) and you will be entitled to the Limit of Liability as stipulated in your policy schedule.

Read more about making a claim in the Related Documents section at the bottom of this page.

APNA membership enquiries
1300 303 184

Insurance enquiries
1300 213 067
membersupport@ihgroup.com.au

Certificates of currency
1300 213 067

Claims during business hours
9am–5pm Monday to Friday
1300 213 067

Claims outside business hours
1300 305 834

General legal* (30 minutes free)
03 9274 5314

*One 30 minute free phone call per policy issued for general legal inquiries only. For all policy and claim related inquiries please contact Insurance House.

You'll find a handy one-pager with these contact numbers in the Related Documents section at the bottom of this page.

The APNA members policy is arranged by Insurance House Pty Ltd.

General Advice Warning

This advice has been prepared without taking into account your personal objectives, financial situation or needs. You should therefore consider the appropriateness of the advice, in light of your objectives, financial situation or needs before following the advice.

Please obtain a copy of, and consider the Product Disclosure Statement (PDS) applicable to the general insurance product before making any decision.

Insurance House Pty Ltd ABN 33 006 500 072 AFSL 240954.

The Australian Primary Health Care Nurses Association (APNA) does not hold an Australian Financial Services Licence and members should consider obtaining their own financial advice about this product from a person who is able to give such advice under an Australian financial services licence such as Insurance House.

If you have a question about the policy, call 1300 213 067 or email flt@ihgroup.com.au.

The Australian Primary Health Care Association acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.


© Copyright 2021 Australian Primary Health Care Nurses Association (APNA). All rights reserved. MRM by Bond Software.

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