Professional Indemnity Insurance

Adding Professional Indemnity Insurance

With an APNA membership, you can purchase the APNA member PII that covers your full scope of practice (except acute midwifery services) anywhere in the world (excluding USA and Canada).

With $10 million cover per medical malpractice or public liability claim and $30 million worth of cover per year, you’re covered with a policy in your own name if a problem ever arises. Recently some other insurers excluded some activities, including ear syringing, from their cover. 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.

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.

APNA knows nurses and the challenges of your role. We want you to focus on what you love – being a nurse.

But what if your livelihood was at risk? With APNA member Professional Indemnity Insurance, there is no need to rely on someone else's policy in the hope you are 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 and includes:

• Registered Nurses
• Enrolled Nurses
• Nurse Practitioners, and
• those working in hospitals.

Packed with benefits, it is excellent value insurance delivered by nurses – for nurses.  Benefits include:

• Covers your full scope of practice (except acute midwifery services)
• Appropriate for all health care settings, including hospitals 
• Comprehensive 24/7 all-year-round cover
• Coverage anywhere in the world (excluding USA and Canada)
• 30 minutes of free legal advice per policy period

Costs

APNA member Professional Indemnity Insurance runs from 1 April to 31 March each year—the same as an APNA membership.

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 members@insurancehouse.com.au.

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.

Important numbers

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

Member reviews

"I kept asking my practice manager to see the clinic's PII 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 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.

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 PII. Our comprehensive presentation covered all aspects of PII, followed by an interactive Q&A session. Missed it? Watch the recording now at your convenience.