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Benefits Handbook
2016/2017
This booklet is issued by Medical Indemnity Protection Society Ltd (MIPS) ABN 64 007 067 281 | AFSL 301912.
Cover for the MIPS Members' Indemnity Insurance Policy and the MIPS Members’ Practice Entity Insurance Policy are provided under
separate master insurance policies arranged with MIPS Insurance Pty Ltd (MIPS Insurance) ABN 81 089 048 359 AFSL 247301.
Cover for the MIPS Members' Personal Accident Policy is provided under a master insurance policy arranged with Accident & Health
International ABN 26 053 335 952 | AFSL 238261.
This Combined FSG and PDS was prepared on 1 May 2016.
This MIPS Membership Benefits Handbook is printed on Revive Pure Silk 100% Recycled and is certified carbon neutral. It is
process chlorine free (PCF) manufactured by an ISO 14001 certified mill.
2
About MIPS Why do
healthcare
professionals
need MIPS
membership?
Why do MIPS:
Healthcare healthcare About MIPS over 25 years
professionals in MIPS was established of service. Exists
clinical practice professionals
in 1988 as a medical solely to protect
face significant risk need MIPS
defence organisation and support its
of complaints, membership? that protects, supports
legal action and members
and safeguards the
investigation. professional character and
This is the reason every interests of its members.
healthcare practitioner should have the MIPS is a not for profit mutual. MIPS assets
MIPS:
comprehensive protection and support provided are ultimately owned by its members and
through MIPS membership. over 25 years membership concerns are the primary
Having the right protection andof support,
service. Exists consideration when decisions are made.
such as our 24-hour Clinico-Legal
solelySupport,
to protect MIPS exists to promote honourable and
gives members the peace of mind they needits
to discourage irregular practice and to protect
and support
practise with confidence. Adverse or unexpected the interests of its members.
members
events can affect any practising healthcare MIPS’ commitment to members is derived from
professional. That’s why caution, good clinical the Constitution of MIPS. The Constitution sets
risk management and MIPS membership, out the rules which form the basis of how MIPS
including indemnity cover, is essential. operates, including providing that:
It is important to remember that even if your • all surplus income is added to the
employer provides indemnity for negligent membership’s total reserves
actions or omissions, you may not be covered • no dividends are distributed, however
for your individual professional risks – such investment income is used to offset the cost of
as a coronial inquest, or a complaint to, or members’ membership fees
investigation by an Australian Health Practitioner • subscribing members have a right to
Regulation Agency (AHPRA) health board, MIPS reserves.
your employer or education provider.
A copy of the Constitution of MIPS is available
It is a mandatory AHPRA registration requirement at mips.com.au/publications or on request
for healthcare practitioners to hold appropriate free of charge.
professional indemnity insurance to cover all
aspects of their healthcare practice. MIPS objectives are to:
• grant indemnities to members in respect of
claims or demands
• advise, assist and defend in cases arising out of
clinical practice which may affect the professional
character or interests of our members
• provide and obtain advice on any legal or
other matter
• consider, originate, promote and support,
or oppose legislative or other measures
affecting members.
3
Membership benefits
These benefits have been specifically tailored All membership applications are subject to
to meet the needs, including Australian Health eligibility rules and processes. An annual
Practitioner Regulation Agency (AHPRA) membership fee applies for members other
requirements, of healthcare professionals than students.
and students.
Q
Personal Cover for
Accident Policy international placement
(
24-hour Clinico- Accredited risk
Legal Support education
4
Membership benefits
5
Membership Benefits Handbook
Defence costs and investigations for disciplinary proceedings, administrative proceedings 1or
investigations that relate to claims or incidents covered under the policy. These are included in
the limits described above. 2 ✕
3
Good Samaritan healthcare is where you provide healthcare voluntarily, without remuneration, 1
4
in relation to unexpected events and where you wouldn’t normally be expected to be available
2
to provide healthcare. This may include events such as assisting a passenger on an international
5 ✕
flight or attending the scene of a car accident. 3
6
4
Clinical trials: Members requesting cover for non-employer indemnified clinical trials are 1
required to complete and return for consideration and approval a Clinical Trial Notification form
5
with supporting documentation such as ethics committee approval, trial protocols and 2 ✕
6
proposed patient consent forms. 3
4
Practice entity excess cover for any excess up to $10,000 that might be payable under a 1
separate practice entity insurance policy with an insurer other than MIPS Insurance. 5
2 ✕
6
Telehealth: Members requesting cover for non-employer indemnified telehealth services are3
1
required to complete and return for consideration and approval a Practice Assessment
4
2 ✕
Questionnaire. Telehealth is defined as healthcare provided over the internet, by video
conference or telephone in Australia in accordance with AHPRA, college and Medicare 5
3
requirements. Under Australian law, the location of the patient is where the healthcare is 6
4
considered to be provided. Cover for telehealth requires the same care as any other provision
of healthcare and if the medium is not appropriate for a patient, members are expected not 5to
offer telehealth consultations.
6
6
Membership benefits
To be entitled to cover under the Practice Entity1 The majority of owners of the entity are MIPS
Policy your practice entity must fit one of the
members
following scenarios: 2 ✕
The majority of working practitioners of the
• you are a sole practitioner and/or only 3 entity are MIPS members
shareholder of your practice (ie you own 100%)
4
• MIPS Members hold the majority of ownership Healthcare practice not covered under the
in the company or partnership AND where the 5 Practice Entity Policy
majority of healthcare provided in the practice
6
is undertaken by MIPS members
• an entity or practice structure approved
by MIPS. Ownership 25% 25% 25% 25%
If you are unsure if your practice structure meets Working 33.3% 33.3% 33.3% 0%
the required definition under the Practice Entity1
Policy, you can complete the Practice Entity 2 The majority of owners of the entity are NOT
✕
Enquiry form at mips.com.au/forms MIPS members (must be a majority of greater
3 than 50%)
4 The majority of working practitioners of the
entity are MIPS members, however, an entity
5
must meet both the ownership and working
6 MIPS member requirements to be eligible.
For the policy definition of a practice entity see
the Practice Entity Policy in the Members’
Insurance Covers Handbook.
7
Membership Benefits Handbook
8
Membership benefits
9
Membership Benefits Handbook
Cover to Unique to
$20 million in MIPS and
aggregate with available to
NO sub-limits all members
Provides A common
Other
Cover to member Unique to one-off However,
payments the24-Clinico-Legal
Board has request is for
discretion to accept or by assistance with
benefits
$20 million in MIPS and for events that Support
refuse assistance in
aggregate with available tolead to disabilities experienceddisputes involving
MIPS Protections whole or in part, or
NO sub-limits all members such practitioners colleagues or
mayasdecide not to
MIPS Protections may paraplegia an employer
provide assistance for accept a MIPS
non-medical indemnity, Protections claim, or
personal and professional risks withdraw cover, if you
arising from your clinical activities that may not misrepresent any information to MIPS, or
otherwise be covered by insurance withhold information, about a material matter.
Provides A arrangements.
common MIPS may refuse to pay or reduce the amount it
one-off This
payments request
may include disputes that arise is for
in connection will pay, for a claim MIPS
if it is any way fraudulent. If
with employment,
for events that assistance
training, industrial with
relations MIPS exercises its discretion not to pay your MIPS
disputes
and non-clinical registration and board involving
issues. education
ead to disabilities Protections claim or to pay only part of your
is accredited
Foras
such example, if you have a dispute about your
colleagues or claim, or withdraw cover, we will inform you of
contract with your employer. an employer
paraplegia that decision.
MIPS Protections is not insurance cover and does
Why MIPS Protections? not include assistance for any claims covered by
MIPS introduced MIPS Protections to provide any insurance policy under which you are entitled
additional protection for well-intentioned to claim and does not apply to risks that MIPS is
members for matters that may not otherwise legally prohibited from protecting, such as
be covered including matters where their medical indemnity claims.
career might be jeopardised. This added
discretionary cover is in addition to the APRA regulates insurance companies under the
insurance covers that are part of MIPS Insurance Act 1973 (Cth), which establishes a
membership. MIPS assists over 100 members system of financial supervision of general insurers
each year, on average, through MIPS in Australia. It does not regulate discretionary
Protections. mutual organisations such as MIPS.
For this reason, MIPS and the MIPS Protections
This membership benefit is unique to MIPS and are not subject to the Insurance Act or APRA
available to all members. MIPS will consider your regulation and supervision. MIPS is not
claim for protection in accordance with the MIPS authorised to carry on insurance business in
Constitution and the law. Australia. MIPS is regulated by the Australian
Securities and Investment Commission as an
You can have a realistic expectation that claims Australian Financial Services licensee.
under MIPS Protections will be accepted if the
claim comes within the scope of the protection
provided by MIPS.
10
Membership benefits
Provides A common
24-hour
Unique Clinico-
to one-off Accredited
payments 24-Clinico-Legal request is for CPD
Legal MIPS
MIPS andSupport
for events that Support by assistance
MIPS with
takes an active
education
available tolead to
As a member youdisabilities
have experienceddisputesrole
involving
in helping
members or better is accredited
all members
access to experienced
such as practitioners colleagues
fellow practitioners,
paraplegia manage their day-to-
an employer
to discuss claims, day working life, to help
complaints, professional avoid adverse outcomes to
challenges, risks and problems patients or, in the event they
you experience. MIPS prides itself on the quality occur, to help mitigate those outcomes. MIPS
of the independent and confidential advice that
A common education also focusses on minimising the risk
its expert
request is for advisers provide. healthcare practitioners face from complaints and
assistance withneed to be under threat ofMIPS
You don’t being
regulatory body investigations.
disputessued
involving education
to call. Approximately 90% of requests Ongoing Continuing Professional Development
colleagues or
for assistance is accredited
are concerned with problems (CPD) is a mandatory AHPRA registration standard
an employer
unrelated to being sued. for all healthcare practitioners and can be subject
to audit by the AHPRA healthcare boards.
For example, our advisers can help members
with: MIPS is an accredited education provider for the:
• mandatory notifications • Australian College of Rural and Remote
• preparation of coroner’s reports (and similar Medicine (ACRRM)
clinico-legal reports) • Royal Australian College of General
• ethical issues Practitioners (RACGP)
• potential or actual complaints by patients (to • Royal Australian College of Surgeons (RACS).
members directly, or to their employer/ hospital) MIPS has developed a range of risk education
• complaints by members’ employer(s) workshops, webinars and online training units
or education providers and as a member you can access these resources
• healthcare services, health rights and at no additional cost. Completion of risk
Healthcare Complaints Commission matters education activities may assist you to meet your
• other healthcare practitioner legal matters, not CPD requirements. Membership records are
covered by an insurance policy. updated with a record of participation and
participants receive a certificate of attendance to
Where appropriate MIPS will access its national assist with CPD evidence.
independent panel of legal advisers that
specialise in and understand the healthcare My Membership – online access
profession and State and Territory jurisdictions. The My Membership portal provides a
Members can request assistance or lodge convenient way for you to view and amend your
a claim notification by contacting MIPS on contact and membership details, print your
1800 021 223 or claims@mips.com.au Certificate of Currency (membership), Member
or complete an online notification form at Benefit Statement (tax invoice) or summary of
mips.com.au/forms completed MIPS risk education. Online access
is automatically provided once your application
has been approved and payment finalised.
Log in at mips.com.au
11
Important features
12
Membership benefits
Retroactive cover
Example of cover (cover for previous practice)
MIPS cover is claims-made. This diagram The Indemnity Insurance Policy and Practice Entity
illustrates a claim under both claims incurred Policy will only cover you for claims that arise from
and claims-made. incidents that occur after the retroactive cover
• If the policies were claims-made then the date set out in your Member Benefit Statement.
incident would be covered by Insurer B Cover is not provided for incidents prior to that
because the incident was first notified in retroactive cover date.
period 2 and occurred after the
retroactive date You must nominate a retroactive cover date in
your application.
• If the policies were claims-incurred then
the incident would be covered by Insurer Retroactive cover is extremely important for all
A because the incident occurred within healthcare professionals because of the length of
the period covered by Insurer A. time it may take for a claim or complaint to be made
from a prior incident. In many cases, a claim or
Insurer A Insurer B complaint can be first made years after the incident.
Policy period 1 Policy period 2 It is an AHPRA requirement that you have
professional indemnity cover for previous
Retroactive Incident Date both insured private practice.
date (claims date and insurer first
made only) notified
13
Membership Benefits Handbook
14
Important features
Section
15
Membership Benefits Handbook
The Personal Accident Policy also contains policy Premium Support Scheme (PSS)
exclusions. Where these exclusions apply, cover The PSS is an Australian Government scheme
will not be available under the policy. designed to help eligible doctors with the costs
Please refer to the Members’ Insurance Covers of their medical indemnity insurance. MIPS
Handbook for comprehensive details of administers this scheme on behalf of the
exclusions that apply to the Indemnity Policy, Government. Eligible doctors will see the benefit
Practice Entity Policy and Personal Accident Policy. of the PSS as a reduction in the total membership
fee payable.
Government assistance schemes You may be eligible for the PSS if:
Run-Off Cover Scheme (ROCS) • your gross medical indemnity costs exceed 7.5%
ROCS is an Australian Government scheme of your estimated gross income generated from
designed to provide run-off cover free of charge private practice gross billings, or
to eligible medical practitioners who leave the • you are a procedural general practitioner in a
private medical workforce. The cover under rural area (ie Rural, Remote and Metropolitan
ROCS is the same as your last medical indemnity areas 3-7), or
insurance contract prior to or at the time of • you previously applied and were deemed to
eligibility for ROCS. be eligible for a subsidy under the Medical
Indemnity Support Scheme (ie former MISS
MIPS Insurance is required to pay a percentage
participant), or
of the yearly medical practitioner insurance
premium to the federal government to fund • you have retired from private practice
ROCS. The part of your membership fee that ($0 private medical income for the full
relates to this payment is shown in your Member membership year), but continue to practise in
Benefit Statement. the public sector and your medical indemnity
costs include run-off cover for incidents relating
To assess your eligibility for ROCS please to your prior period of private practice.
complete the Ceasing Practice form online at
mips.com.au/forms If you are eligible and choose to participate you
will need to provide your estimated gross private
For more information, please visit the Department medical income. Based on this information you
of Health website and refer to the ROCS may be advanced an estimated subsidy.
Frequently Asked Questions at health.gov.au
If you are advanced a subsidy, it is a Government
requirement that you complete a Final
Determination Statutory form verifying your
'actual gross private medical income' within
12 months of the relevant PSS subsidy period.
16
Important features
17
Membership Benefits Handbook
18
Important features
19
Conditions of membership
20
Important features
If you fail to comply with your duty of disclosure Acceptance, renewal and suspension of
this may affect your entitlement to cover under membership
MIPS Protections and the insurance policies. A full membership year is from 1 July to 30 June.
MIPS may be entitled to refuse or withdraw cover Membership commences upon acceptance
under MIPS Protections or cancel your of a completed application. Alternatively,
membership, or both. a later commencement date can be nominated.
Further, an insurer may be entitled to reduce its All MIPS memberships expire on 30 June.
liability under the insurance policy (possibly to nil) Renewal is not automatic. Membership is
or cancel your insurance cover, or both. If your reviewed each year before a Member Benefit
non-disclosure is fraudulent, the insurer may be Statement, inviting a renewal application, is sent.
entitled to void your insurance cover. MIPS may accept or refuse any application for
membership or renewal of membership with the
Keeping us informed
exception of applications under the Universal
A member must notify MIPS in writing when any Cover arrangement that MIPS has with the
of the following occur: Government and other medical defence
• change of membership category organisations for applicants from the ACT
• any change in practice or the nature of the and Tasmania.
healthcare you provide and/or the location in
which healthcare is provided Paying your membership fee
• any change in the primary location in which Payment of your membership fee is due when
healthcare is provided you first join and by 1 July in subsequent years.
• start and/or cessation of practice Payment may be made by cheque, BPAY or
• cancelling MIPS membership credit card.
• requesting extended reporting period or Members may also elect to pay their membership
run-off cover fee by direct debit in monthly instalments.
• requesting cover for student electives Payment by monthly instalments does not incur
• requesting cover for practice outside of any additional fees but members are required to
Australia complete and return a Direct Debit Instalment
Request form. The form is available at
• any change in AHPRA details or registration
mips.com.au/forms or on request.
conditions.
If your membership fee payment or other liability
If you do not inform MIPS of a change, it may
to MIPS is in arrears for more than one month,
prejudice your right to member benefits,
you shall cease to be entitled to any of the
including insurance cover under the insurance
benefits of membership of MIPS from the date
policies. A change may also affect your
when the payment or other liability fell due.
membership fee. A new Member Benefit
That means your rights to membership benefits,
Statement will be issued when your membership
including MIPS Protections and insurance covers
fee has changed.
may be prejudiced.
21
Membership Benefits Handbook
• your billings and salary from any non-employer Will additional contributions ever be
indemnified (private) practice work you required?
undertake MIPS maintains financial accounts that include
• your current and prior practice locations estimates of its future payments to members, as well
• your personal claims and registration history as estimates of its future liabilities. This ensures
• your nominated retroactive cover date MIPS has adequate financial resources to meet its
• the approach to management of risk shown financial obligations as they fall due, as well as
ensuring that it has financial resources to discharge
by you
its future liabilities or make future payments to its
• the number and nature of claims already members. MIPS will manage these future liabilities
accepted in previous membership years and payments through its own insurance program
• the membership benefits that are provided and through its claims reserving policy. MIPS will
to you calculate members’ contributions on the basis
• the cost of the insurance policies arranged that it will have adequate financial resources to
by MIPS discharge future liabilities and make future
• administration costs associated with providing payments to its members.
membership benefits The Constitution of MIPS allows it to make a limited
• any government taxes or charges such call on its members for additional contributions if
as GST and ROCS levy. such a need ever arises. For example, if the funds
held by MIPS are not adequate. The amount
The total costs of membership are determined of any call that may be made is limited by the
following consideration of: Constitution of MIPS to the amount of a member’s
• the current reserves and surplus members’ total membership fee for the membership year
funds retained by MIPS; and during which the call is made.
• expected investment returns from those funds.
Estimating future liabilities
See the ‘Category selection guide’ in the Each year MIPS receives actuarial advice on MIPS
Membership classification guide in this handbook claims costs, operational costs, investment returns
for detail about how we assess your practice. and member reserves. This advice includes an
analysis of the anticipated costs of the insurance
Calculating an excess covers arranged by MIPS and requests under
Any excess that applies to the MIPS Protections MIPS Protections, adjustments to reserves for
or the insurance covers will be calculated by known matters and pricing recommendations for
MIPS, or the insurer, by taking into account the membership fees.
factors that are considered in the calculation MIPS Insurance also manages its risk exposure
of the membership fee as set out above. through reinsurance coverage that it obtains
Your MIPS membership fee and any excesses from Australian authorised reinsurers.
that apply to cover will be set out in your
Member Benefit Statement. MIPS ensures that it has adequate financial resources
to discharge its future liabilities or make future
payments to members by maintaining funds in
reserve. MIPS’ financial position is shown in its annual
reports, available at mips.com.au/publications
and shows MIPS’ significant accumulated net assets.
23
Financial Services Guide
24
Conditions of membership
When will I get a product disclosure If the complaint is not resolved to your
statement (PDS)? satisfaction you can contact the MIPS Dispute
You will receive a PDS for each financial product Manager, who will examine your complaint and
issued to you or if you receive personal financial our decision and advise you in writing within
product advice. Each PDS contains information 10 business days of the action MIPS proposes
that will enable you to make an informed decision to take regarding the complaint.
about the financial product. It sets out the If the matter is still not resolved to your satisfaction
significant features of the financial product as well you can contact the Financial Ombudsman
as other information and details required by law Service (FOS), an independent body approved
to be in a PDS. by ASIC. Access to the FOS is also free.
25
Membership classification guide
26
Financial Services Guide
27
Membership Benefits Handbook
Basis: Recent graduate applies if you have Basis: Dentist in training applies if you are a
graduated within 5 years of the current membership general dentist and you have commenced a
period and you have not yet commenced a specialist dental qualification. Cover is provided
registrar or dental specialist training program. for additional non-employer indemnified (private)
Non-employer indemnified (private) practice may practice outside of your training program as long
be included; however, it is expected you have the as that practice does not constitute more than
appropriate recognised qualifications, training, 50% of your hours worked per week (annualised)
experience and supervision arrangements for and is commensurate with your training,
these healthcare services. All supervisors must qualifications and experience.
have the recognised qualifications, training and
Members who already hold an Australian
experience. They must also maintain an
specialist dental qualification are not eligible for
appropriate level of indemnity cover for the
the ‘Dentist in training’ basis.
supervision they provide.
Basis: Gross private billings/salary applies
Basis: Registrar applies if you are undertaking an
if you undertake non-employer indemnified
accredited registrar training program or practice
(private) practice and your type of practice means
in a non-accredited registrar position. Cover is
you are ineligible for another basis. Members are
provided for additional non-employer indemnified
required to provide an estimated gross billings
(private) practice outside of your training program
amount and a billing band which will be
as long as that practice does not constitute more
appended to your basis.
than 50% of your hours worked per week
(annualised) and is commensurate with your training, Refer to ‘Private practice billings and salary’
qualifications and experience with appropriate for further information.
supervision arrangements in place (if applicable).
Cover is excluded for any of the following Basis: Hours per week applies if you are a dental
practice when undertaken in a non-employer hygienist, prosthetist or therapist or oral health
indemnified (private) setting: obstetric services therapist and you undertake non-employer
(other than ‘shared care’ antenatal consulting), indemnified (private) practice. You are required to
bariatric surgery, spinal surgery and neurosurgery. provide an estimate of weekly hours for all of your
practice and then nominate the percentage of
Members who already hold an Australian hours that relate to non-employer indemnified
specialist qualification are not eligible for the (private) practice.
‘Registrar’ basis.
Basis: Non-operating surgeon applies if you are
Basis: Employer indemnified only applies if you a surgeon who has ceased operating but
are fully indemnified by your employer for all your continues to consult patients in non-employer
healthcare practice regardless of whether you are indemnified (private) practice, for example
in a public or private setting. This basis will not clinico-legal assessments including examinations
provide indemnity for civil claims arising from for the purposes of assessment and seeing
salaried work. patients for second opinions. You may also
Refer ‘Employer indemnified practice’ for further undertake surgical assisting in this basis. If you
information. undertake any procedures in your consultations
you should refer these for assessment by MIPS.
28
Membership classificationSection
guide
29
Membership Benefits Handbook
30
Membership classification guide
If you undertake any other cosmetic procedures Changing your practice type
(unless stated as included within your speciality)
or if your cosmetic services will exceed 50% of
or location
your annual total gross private billings you must You are required to notify MIPS of any change in
provide details to MIPS. the nature of healthcare services you provide or
practice location as soon as you become aware of
All dental practitioners (including allied dental the change to ensure you do not prejudice your
health) are required to comply with any policies membership benefits including insurance covers.
or guidelines provided by the Dental Board of
Australia. All queries regarding this should be If you expect to exceed your estimated gross
referred directly to AHPRA. Please note the billings/salary from non-employer indemnified
cosmetic definition does not apply to intra-oral (private) practice, you must advise MIPS to ensure
dental procedures such as: you are adequately covered.
• teeth whitening/bleaching Any changes to your membership details may
• crowns/veneers. result in an amendment (additional fee or refund)
to your membership fee.
Shared antenatal care You may also be required to sign a disclaimer
Shared antenatal care includes uncomplicated confirming that you have notified or otherwise
low risk pregnancies when the patient has been disclosed to MIPS all material matters when you
referred to and accepted as a patient in writing seek retroactive changes to your membership.
at an early stage of pregnancy by either:
• a hospital for obstetric management as a Ceasing practice in Australia
public patient or If you have ceased practice (temporarily or
• a GP obstetrician or specialist obstetrician for permanently) you will need to maintain run-off
obstetric management as a private patient. cover to ensure that you remain covered for
Shared care arrangements require that you emerging claims from your prior practice in
have appropriate qualifications, training and Australia. Your type of run-off cover will depend
experience and work collaboratively under on your individual circumstances.
the direction (that may include protocols and MIPS can offer you run-off cover for your past
supervision) of the practitioner or hospital practice in an extended reporting period (ERP)
responsible for the patient’s obstetric care. membership classification. The cost of ERP cover
You must not become involved, or have the is calculated on your individual risk history and
intention of becoming involved, in the induction will vary for each member. If you have been with
or management of labour or delivery. The only MIPS for five continuous years and you are
exception is for public patients in a public setting permanently retiring from all healthcare practice
where you are indemnified by the hospital. you will be eligible for ERP loyalty cover which is
offered at $50 per annum.
32
Membership classification guide
33
Membership Benefits Handbook
34
Membership classification guide
36
Membership classification guide
37
Membership Benefits Handbook
38
Membership classification guide
✕ ✕
39
Membership Benefits Handbook
✕ ✕
✕
Oral and maxillofacial surgery Paediatric
✕
surgery
5 5
Oral maxillofacial surgeons may also perform Pathology
6 6
cosmetic procedures provided those services: 5
Physician rehabilitation and occupational
• fall within the scope of your accredited training; 6
5
and This category is suitable for physicians who
6
undertake:
• generate less than 50% of your gross private
billings. • Occupational medicine
• Pre-employment
✕ and fitness for work medicals
If your cosmetic procedures exceed 50% of your
• Rehabilitation medicine
total gross
✕ private billings you will need to select
the ‘Cosmetic proceduralist’ category. Physician non procedural
5
Orthopaedic surgery This category is suitable for consultant physicians
6
5
who practise in the disciplines/perform minimally
An endorsement is required if you undertake invasive, lower risk procedures including:
6
spinal surgery in a non-employer indemnified
✕ • Bone marrow biopsy
(private) setting.
• Cardiology (non-interventional & non-invasive)
Otolaryngology head and neck surgery • Chemotherapy
5
Otolaryngologists may also perform cosmetic • Gastroscopy (excluding ERCP & colonoscopy)
6
procedures provided those services: • Geriatric medicine
• fall within the scope of your accredited basic • Haematology
training; and • Immunology
• generate less than 50% of your gross private • Medical oncology
billings. • Nephrology
If your cosmetic procedures exceed 50% of your • Neurology
total gross private billings you will need to select • Paediatric medicine
the ‘Cosmetic proceduralist’ category. • Proctoscopy
• Renal biopsy
• Respiratory medicine (including endobronchial
ultrasound-guided transbronchial needle
aspiration (EBUS TBNA) and transbronchial
lung biopsy)
• Sigmoidoscopy
If you are a physician who also holds a pathology
qualification you may also select this category
provided pathology reporting activities generate
less than 50% of your gross non-employer
indemnified (private) billings.
40
Membership classification guide
✕ ✕
41
Membership Benefits Handbook
These categories are suitable if you hold the Oral and maxillofacial surgeons may also perform
5
recognised AHPRA general or specialist dental cosmetic procedures provided those services:
6
registration and practice within the speciality or • fall within the scope of your accredited training;
you are undertaking a dental specialty training and
program. • generate less than 50% of your gross private
billings.
All dental categories (excluding the Oral and
maxillofacial surgery category) require If your cosmetic procedures exceed 50% of your
endorsement if you undertake any ‘minor total gross private billings you will need to select
cosmetic’ services as defined by MIPS. the
✕ ‘Cosmetic proceduralist’ category
6
Other healthcare
✕
the start of this ‘Membership classification guide’
Nuclear medicine technologist
for
✕ the ‘specified dental procedures’ definition.
✕ Dento-maxillofacial radiology 5
✕ Endodontics 6
5
6
Forensic odontology
5
6
5
42
Privacy
MIPS takes your privacy seriously. MIPS uses a range of physical and electronic
security measures to protect the security of the
How we collect, use, hold and disclose
personal and sensitive information we hold.
information is governed by the Privacy Act and
For example:
the Australian Privacy Principles (APPs). MIPS is
committed to protecting the privacy of your • access to information systems is controlled
personal information. Personal information through strict identity and access management
includes any information or opinion, about an procedures;
identified individual or an individual who can be • appropriate data encryption techniques are
reasonably identified from information about applied;
them. Information or opinion is still treated as • employees are bound by internal information
personal information whether it is true or not and security policies and are required to attest to
regardless of whether we have kept a record of it. compliance with policies;
• service agreements with external service
How do we hold personal information? providers are required to meet or exceed the
Much of the information we hold will be stored minimum requirements outlined by APPs;
securely and managed by MIPS or specialist • all employees are required to complete
external service providers. Some information we training about information security; and
hold will be stored in paper files. Personal and • we regularly monitor and review our
sensitive information is currently held in a secure compliance with internal policies, regulatory
manner in Australia, Canada, France, Germany, and industry guidelines.
Gibraltar, Hong Kong, Singapore, Switzerland,
United States of America and United Kingdom. Right of access to your information
You have a right to access and correct your
personal and sensitive information. Please
contact us on 1800 061 113 to request your
information. There is no charge for the provision
of that personal information. If you request access
to sensitive information, there may be a delay
in providing this information, for example if the
information is related to a claim that is still under
consideration.
For more information, see our privacy policy at
mips.com.au/privacy
43
Contact us
General and membership enquiries
1800 061 113 or
+61 3 8620 8888 outside Australia
info@mips.com.au
Postal address
PO Box 25
Carlton South VIC 3053
mips.com.au
Medical Indemnity Protection Society | ABN 64 007 067 281 | AFSL 301912 PB201605-105