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Professional Indemnity Insurance
APNA knows nurses and the challenges they face. We want you to focus on what you love – being a nurse. But what if your livelihood was at risk?
This policy covers those working in any health care setting, including:
- Registered Nurses
- Enrolled Nurses
- Nurse Practitioners, and
- those working in hospitals.
Adding Professional Indemnity Insurance
APNA has worked closely with our insurance broker to create the APNA member Professional Indemnity Insurance Policy. Nurses must be current APNA members to add on Professional Indemnity Insurance. The APNA member Professional Indemnity Insurance is designed for primary health care nurses.
Protect your livelihood with a policy in your name, so you do not need to rely on someone else's policy to protect you.
- comprehensive cover 24/7 all year round
- your full scope of practice covered anywhere in Australia – including if you work in a hospital (actually, anywhere in the world except the USA and Canada)
- up to $10 million covers per claim, $30 million worth of cover per year, and
- free general legal support
- 30 minutes of free legal advice per policy period.
APNA member Professional Indemnity Insurance runs from 1 April to 31 March each year—the same as an APNA membership. Twelve months' insurance is $140 in 2022. Insurance bought after April is calculated on a pro-rata basis.
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 practise 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 this Nursing and Midwifery Board of Australia factsheet for more information.
Frequently asked questions
Have you got an insurance question? Save time and visit our FAQ and common insurance question section or give us a call today on 1300 303 184 for any queries.
Making a claim
Your APNA member insurance is a claim 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 inform 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 468 730 and ask for a member of the membership team. You can advise the relevant claim/notification details over the phone. Print and complete the APNA member claim/notification form and email email@example.com.
Upon receipt of your claim form, Insurance House will send you an email acknowledging receipt and advise you of the next steps. Suppose you have a claim or inquiry covered by your policy. In that case, 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.
APNA membership enquiries: 1300 303 184
Insurance enquiries: 1300 213 067
Claims during business hours (9 am – 5 pm Monday to Friday): 1300 213 067
Claims outside business hours: 1300 305 834
General legal* (30 minutes free): 03 9274 5314
"I kept asking my practice manager to see the clinic's PII policy to ensure I was covered but was the experience of our members 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 PII 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 PII 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.