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Professional Indemnity Insurance
Limited-time offer: Get 14 months' APNA member professional indemnity insurance for the price of 12 – from only $159
Until 29 February 2024, you can get up to 60 days of additional insurance cover for free!
What's the catch? You need to ensure that you hold APNA Membership for 2024, and not currently have an insurance policy through APNA to take out this benefit.
Be quick – this offer to get 14 months' APNA professional indemnity insurance for the price of 12 ends on 29 February 2024.
Adding professional indemnity insurance to your APNA Membership
Once you are an APNA member, you are able to purchase APNA-member Professional Indemnity Insurance cover at a discounted rate. insurance.com.au (formerly Insurance House Online) has worked with APNA to create the ‘Healthcare Professionals Civil Liability policy’, which includes Professional Indemnity and Public and Products Liability covers. This policy is available to members at an exclusive rate and is compliant with NMBA registration standards, professional codes and guidelines.
The policy covers a nurse’s full scope of practice (except midwifery services) anywhere in the world (excluding USA and Canada).
With your choice of $10 or $20 million cover, you’re covered with a policy under your own name if a problem ever arises. The APNA-member policy covers nurses for work activities, providing you are suitably qualified and are working by the NMBA registration standards, professional codes, and guidelines.
You must be an APNA member to have access to this exclusive cover and continue to be a financial APNA member throughout the policy period.
Please note the insurance product options have recently changed. You now have the choice between self-employed or employed cover; and $10 million or $20 million cover. If you are partly employed and partly self-employed, you will need to select a self-employed product.
APNA knows nurses and the challenges of your role. We want you to focus on what you love – being a nurse
With the APNA-member Professional Indemnity Insurance policy, there is no need to rely on someone else’s insurance and hope that you are fully covered. Get an insurance policy in your name and ensure you’ll be covered if something goes wrong.
This policy covers those working in any health care setting (including hospitals) and includes:
- registered nurses
- enrolled nurses
- nurse practitioners.
- coverage for your full scope of practice (except acute midwifery services)
- suitability to all health care settings, including hospitals
- comprehensive 24/7 all-year-round cover
- coverage anywhere in the world (excluding USA and Canada)
- one hour of free legal advice per policy period.
Did you know that APNA's member policy is AHPRA/NMBA compliant?
Under section 129 of the Health Practitioner Regulation National Law, a registered health practitioner must not practice the profession in which they are registered unless appropriate Professional Indemnity Insurance (PII) arrangements are in force with their practice.
It is up to the health practitioner to ensure appropriate PII arrangements that provide adequate and suitable cover for all aspects of their practice and that the cover meets registration standards. See the Nursing and Midwifery Board of Australia factsheet for more information.
insurance.com.au Healthcare Professional Civil Liability policies run to 31 March each year – the same as an APNA membership. You can take out a policy at any time of the year, and pricing is pro-rataed.
Frequently asked questions
Making a claim
The insurance.com.au Healthcare Professionals Civil Liability is a ‘claims made and notified’ policy. This means that you must immediately advise insurance.com.au of any claim or circumstances which could arise in a claim. Even if the circumstances do not result in a claim, you must notify insurance.com.au during the period of insurance.
How to notify insurance.com.au of a potential claim:
Need assistance? Call 1300 468 730 or email firstname.lastname@example.org.
APNA membership enquiries: 1300 303 184
insurnance.com.au insurance enquiries, claims, general legal advice: 1300 468 730
"I kept asking my practice manager to see the clinic's professional indemnity policy to ensure I was covered but I was never allowed to see it? I had no idea what would happen if there was a claim. What and who would be covered? So, I now purchase professional indemnity insurance cover via APNA so I can rest easy that I am fully covered." Sue – Registered Nurse working in general practice – NSW
"I couldn't afford to risk my livelihood on my company's professional indemnity insurance. In aged care, numerous staff look after a patient for 24 hours. How would the company's policy cover all employees across various shifts if something happened? How would conflicting interests be handled?" Diya – Enrolled Nurse working in aged care – SA
"If there is a claim, it's always the person who pays for the insurance that comes first, and that is fully covered. Suppose nurses rely on their employer's policy. In that case, the cover may not fully extend to them, and they could find themselves in hot water. I do not want to be thrown under the bus! I have my policy in my name that covers me for any activity within my scope of practice" Sam – Registered Nurse working across primary health care – VIC.
Recorded Session | APNA Briefing: Professional Indemnity Insurance and you, why is it so important?
A little while ago, we hosted a webinar that delved a bit deeper into professional indemnity insurance. Our comprehensive presentation covered all aspects of professional indemnity insurance, followed by an interactive Q&A session. Missed it? Watch the recording now at your convenience.
The APNA-member insurance policy is arranged by insurance.com.au. All information provided is general advice only and does not take into account your personal objectives, circumstances, or financial situation. Before buying insurance, you should always read the Product Disclosure Statement and Financial Service Guide and consider whether the product is right for you. insurance.com.au Pty Ltd, trading as insurance.com.au, is an Authorised Representative AFSRN 443422 of Insurance House Pty Ltd ABN 33 006 500 072 AFSL 240954. This offer is subject to terms and conditions, and insurer acceptance.