Business Medical Indemnity
|
|
- Bernadette Houston
- 8 years ago
- Views:
Transcription
1 Always on your side Business Medical Indemnity Insurance for companies that provide
2 What is (BMI) Insurance? MIGA s (BMI) insurance is for organisations that provide health care treatment, advice and services. BMI provides insurance protection for claims that may be made against the company. Examples of organisations that may need BMI are medical practices or clinics, health care centres, radiology practices, pathology practices, locum services and day hospitals/surgeries. This list is not exhaustive if your organisation is in the health care sector you may need BMI insurance!!! MIGA can insure both the company and the doctors who work for it under an attractive group arrangement with a range of benefits and services. There are significant advantages in each having their insurance with the one insurer. Key benefits are that it minimises the risk of claims not being covered and you may save on premiums. How do you know if you need BMI Insurance? The types of organisations that will need their own insurance include: Corporate entities providing health care treatment, advice or service that employ and/or contract a range of health care professionals in providing services Companies owned by doctors that employ staff (including doctors and allied health care professionals) and which provide a broad range of services (particularly those that provide services beyond each doctor s area of medical practice) Companies that employ or are owned by a number of doctors who are insured with different insurers. Complex business structures through which are delivered are increasingly common and can often give rise to unexpected liabilities that are not always covered by individual medical indemnity insurance policies arranged by doctors. Unfortunately, this can result in unintended gaps in medical indemnity insurance that are easily covered by BMI insurance. 2 3 The BMI checklist If you answer yes to any or all of the following you may be taking a significant risk in providing health care services without BMI insurance. Have you established a company for the purpose of providing health care advice, service or treatment? Does the company employ or contract health care professionals, including doctors, other professional staff and support staff? Are your professional staff, including doctors insured by different insurers? Do you know the scope of their cover? Does the company provide via separate companies and/or locations? Does the company employ administrative staff to support the doctors and other professionals in the practice? Does the company engage locums and other temporary staff to work for it? Does the company provide services to doctors and other health care professionals for a fee? Does the company lease its facilities to other health care professionals? Does the company own or lease machinery and/or medical equipment to provide the services (e.g. diagnostic equipment)? If you are a doctor who owns a medical practice read our brochure Does your practice need BMI insurance? for more information about why you may need additional insurance cover. Available via our website at Don t wait until you have an uninsured claim to find out you needed BMI insurance.
3 What does BMI cover? BMI provides cover for legal liability arising out of acts, errors or omissions relating to the provision of health care treatment, advice or service in the course of business. It includes cover for: Claims for compensation and the costs incurred in defending or investigating claims Expenses incurred in defending a prosecution or responding to inquests, inquiries, investigations or complaints arising from the provision of the. BMI insurance covers the liability of the company or practice entity, its subsidiaries and their employees including health care professionals such as nurses, technicians and the like (other than employed doctors*). Cover is also provided for vicarious liability for the acts of employees, including employed doctors and contractors, consultants and agents. Other services offered by MIGA Organisations insured with MIGA have access to our unique and extensive package of services specifically tailored to the health care sector, including: Advisory assistance including 24 hour emergency medico-legal support across Australia Risk management training, education workshops, advisory services, support and materials Claims, general medico-legal and below deductible advisory services Bi-monthly Bulletins with information about medical indemnity, claims trends, case studies and risk management tips A range of on-line claims and risk management resources. Some services may be subject to a separate fee. *An optional extension is available to cover employed doctors directly under the BMI insurance or alternatively doctors can maintain their own insurance and BMI will cover the company or practice over and above the individual doctors policies. If the company employs doctors and they wish to maintain their own individual medical indemnity insurance cover, MIGA can offer a tailored group insurance arrangement for them that dovetails with the BMI insurance. The advantage of this is that each doctor can maintain their own insurance but they have access to more benefits, competitive premiums and broader cover via a group arrangement. MIGA s BMI insurance policy and our cover for individual doctors are complementary products; we can offer you either one or both. Why choose MIGA? MIGA offers a unique package of services which are quite different to traditional insurers in Australia. We have more than 115 years of experience in medical indemnity and we offer claims and risk management services specifically tailored to the health care sector. As a specialist insurer to the health care profession, MIGA provides medical indemnity insurance and a range of claims and risk management services to thousands of doctors and medical students Australia-wide. If you are looking for an innovative provider of medical indemnity insurance and services that genuinely cares for and supports its policy holders we encourage you to consider insuring with MIGA. 4 5
4 About MIGA MIGA is a specialist insurer offering a range of medical indemnity insurance products and associated services to the health care profession across Australia. Our Head Office is in Adelaide and we have branch offices in Brisbane, Melbourne and Sydney. We are committed to providing high quality and affordable medical indemnity insurance and services and to maintaining MIGA as a leading provider of medical indemnity insurance in Australia. Medical Insurance Australia Pty Ltd, our insurance subsidiary, is licensed and regulated by APRA. We are also a member of the Insurance Council of Australia and the Financial Ombudsman Service. MIGA has voluntarily adopted the general insurance industry Code of Practice (the Code) and has a Service Commitment which reflects our genuine desire to be open, caring and honest in our relationships with our clients. Would you like more information? Call our friendly staff. They can provide you with personal advice relevant to your situation and provide you with a quote over the telephone. or Visit our website where you will find case studies designed to help you understand how Business Medical Indemnity insurance can protect your company. The Case Studies cover a range of scenarios that could exist within your organisation, including: Renting rooms Faulty equipment Practice systems Liability for the actions of staff Contracting to provide medical services. 6 7
5 Contacting MIGA National Free Call: hour emergency medico-legal advisory service (08) Website: Head Office Level 9, Optus House King William Street, Adelaide, 5000 PO Box 1223, Unley DC, South Australia 5061 Telephone: (08) Facsimile: (08) Branch Offices Brisbane (07) Melbourne (03) Sydney (02) Always on your side Insurance policies available through MIGA are issued by Medical Insurance Australia Pty Ltd. MIGA has not taken into account your personal objectives or situation. Before you make any decisions about our policy, please read the Policy Wording and consider your own needs. Call MIGA for a copy. MIGA November 2012 Work with confidence
Professional Indemnity Insurance for Eligible Midwives
Professional Indemnity Insurance for Eligible Midwives Information Booklet Practise with confidence From 1 July 2010 IMPORTANT This document has been prepared to provide eligible midwives with key information
More informationPUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL
PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Obtaining a Quotation To minimise delays in obtaining a quotation
More informationUNEXPECTED SOME PROBLEMS COME FROM THE MOST OF PLACES. PROFESSIONAL INDEMNITY INSURANCE. www.hiscoxgroup.com
PROFESSIONAL INDEMNITY INSURANCE SOME PROBLEMS COME FROM THE MOST UNEXPECTED OF PLACES. www.hiscoxgroup.com 10025 08/14 Claims are dealt with on a case by case basis and are subject to the terms and conditions
More informationUnderstanding the claim process. Your catastrophe claim.
Understanding the claim process. Your catastrophe claim. When damage happens, we can get your claim moving quickly. When severe weather or a catastrophic event occurs, Encompass understands your need to
More informationPUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL
PUBLIC & PRODUCTS LIABILITY PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Obtaining a Quotation To minimise delays in obtaining a quotation
More informationGuidelines for professional indemnity insurance
Guidelines for professional indemnity insurance Contents Introduction 1 Who needs to use these guidelines? 1 Summary of guidelines 1 Background 1 1. Professional indemnity insurance arrangements 1 2. Adequate
More informationInsurance for Doctors. Medical Indemnity Insurance Policy. 1 July 2013. Always on your side
Insurance for Doctors Medical Indemnity Insurance Policy 1 July 2013 Always on your side «attach Schedule here For ease of accessing your current information, we recommend that upon receipt of your Schedule,
More informationThe Risk Being Accountable How Professionals can be Exposed How to Minimise the Risk
The Risk Being Accountable One thing is certain reputation damage caused by litigation can be devastating. Professional consulting businesses, and individuals providing specialist expertise, are under
More informationPUBLIC & PRODUCTS LIABILITY RENEWAL DECLARATION
PUBLIC & PRODUCTS LIABILITY RENEWAL DECLARATION IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS RENEWAL DECLARATION A. Obtaining a Quotation To minimise delays in obtaining
More informationCredit Guide. Anne Street Partners Home Loans Pty Ltd
Credit Guide Anne Street Partners Home Loans Pty Ltd A guide to our relationship with you and other parties This Credit Guide contains important infomation about: Who we are and the services we provide
More informationabout us About Us In addition, MECON Winsure: Brisbane: Sydney: Melbourne:
about us About Us At MECON Winsure, we share our experience with insurance brokers in order to deliver tailored solutions for a wide range of businesses and requirements. Our team is committed to meeting
More informationThe General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600. Dear Sir/Madam. Tax Agent Services Bill
The General Manager Business Tax Division The Treasury Langton Crescent PARKES ACT 2600 Financial Planning Association of Australia Limited ABN 62 054 174 453 Level 4, 75 Castlereagh Street Sydney NSW
More informationThis Financial Services Guide Version 3: 23 November 2012, refers to services offered by:
This Financial Services Guide Version 3: 23 November 2012, refers to services offered by: Fluid Financial Planning Pty Ltd Level 1 5 Ridge Street North Sydney NSW 2060 ABN: 85 140 515 680 Australian Financial
More informationAlternative/Complementary Medicines and Therapies Insurance Proposal Form
Alternative/Complementary Medicines and Therapies Insurance Proposal Form We will confirm the premium and period of insurance once we have reviewed your application 1. PERIOD OF INSURANCE The intial policy
More informationDIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL
DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS PROPOSAL A. Obtaining a Quotation To minimise delays in obtaining
More informationALL NATION FINANCE PTY LTD ATF THE ALL NATION UNIT TRUST TRADING AS ALL NATION FINANCE
CREDIT GUIDE & QUOTE ALL NATION FINANCE PTY LTD ATF THE ALL NATION UNIT TRUST TRADING AS ALL NATION FINANCE ABN: 68 686 536 129 Address: 10 Lancaster Road, Wangara WA 6065 Australian Credit Licence No:
More informationSurgical Indemnity Scheme Professional Indemnity for ASGBI Members. www.surgicalindemnityscheme.co.uk
Surgical Indemnity Scheme Professional Indemnity for ASGBI Members www.surgicalindemnityscheme.co.uk Key Features Key Features of the Surgical Indemnity Scheme A wholly owned subsidiary of the Association
More informationFINANCIAL SERVICES GUIDE
Cullinvest Pty Ltd ACN 088 486 364 Australian Financial Services Licence No. 225 705 7/114 Majors Bay Rd Concord NSW 2137 PO Box 25 Concord NSW 2137 02 9743 3850 admin@cullen.com.au FINANCIAL SERVICES
More informationRun-Off Cover Scheme (ROCS) Important Information Effective from 1 October 2014
Run-Off Cover Scheme (ROCS) Important Information Effective from 1 October 2014 MDA National Insurance Pty Ltd ABN 56 058 271 417 AFS Licence No.238073 Introduction Section 1: Terms and Conditions of
More informationInsurance for Eligible Midwives in Private Practice. Combined Financial Services Guide and Product Disclosure Statement.
Insurance for Eligible Midwives in Private Practice Combined Financial Services Guide and Product Disclosure Statement 1 July 2015 Medical Defence Association of South Australia Limited ABN 41 007 547
More informationinsurance policies can now be easily extended to include the new Section 3 coverage for Professional Indemnity which is a market first
esentry s new Annual Contract Works and Single Project Contract Works insurance policies can now be easily extended to include the new Section 3 coverage for Professional Indemnity which is a market first
More informationFinancial Services Guide
Financial Services Guide Virgin Money (Australia) Pty Limited ( VMA ) ABN 75 103 478 897 Authorised Representative Number 280884 & TAL Direct Pty Limited ( TAL ) ABN 39 084 666 017 Australian Financial
More informationAt minimum, Project Co will be required to ensure the following insurance coverage in relation to the D&C Phase:
Schedule 9 - Insurance Part A - D&C Phase insurance requirements Project Co will be required to effect or cause to be effected such appropriate insurances during the D&C Phase in accordance with Clause
More informationAmbulance and Cash Back Cover Only available to residents of NSW & ACT
Ambulance and Cash Back Cover Only available to residents of NSW & ACT Valid until 2014-15 Reg. No. 5037 Health Insurance Australia 2009-2014 April 2015 Why you need Ambulance and Cash Back Cover The cover
More informationFor Smart Insurance Solutions Choose Coverforce
For Smart Insurance Solutions Choose Coverforce Our Capability Issue Date 1st October 2012 A different company Creating smart insurance solutions for clients is what we do. Our determination to genuinely
More informationLandlords Residential Property. Insurance information
Landlords Residential Property Insurance information CGU s Landlords Residential Property Insurance policy is designed to fully meet your investment property insurance needs whether you own a flat, unit,
More informationCharity Professional & Trustees Liability Insurance
Charity Professional & Trustees Liability Insurance Proposal Form 1. All questions must be answered giving full and complete answers. 2. Please ensure that this Proposal Form is Signed and Dated. 3. All
More informationBendigo Financial Planning. Financial Services Guide. 13 July 2015
Bendigo Financial Planning. Financial Services Guide. 13 July 2015 1 Introduction This Financial Services Guide (FSG) is designed to provide you with a clear understanding of what you can expect as a customer
More informationMOTOR FINANCE GAP PROTECTION POLICY
MOTOR FINANCE GAP PROTECTION POLICY Product Disclosure Statement and Policy Wording Version No. 2.0 Effective Date: 3 November 2011 Issued by Chubb Insurance Company of Australia ABN 69 003 710 647, ASFL
More informationCredit Services Guide. Anne Street Partners Home Loans Pty Ltd
Credit Services Guide Anne Street Partners Home Loans Pty Ltd A guide to our relationship with you and others Our Commitment to You: This Guide contains important information about: The services and types
More informationSydney Newcastle Brisbane. Credit Guide
Sydney Newcastle Brisbane Credit Guide Why this Guide is important to you This Guide explains the credit services we provide, as well as giving you important information that will help you decide if you
More informationInsurance, Training, Risk and Compliance for the Transport Industry
Insurance, Training, Risk and Compliance for the Transport Industry We have worked closely in collaboration to offer the most extensive Insurance, Training, Risk and Compliance solution for the Transport
More informationJLT Mining. Utilising our expert knowledge of the mining industry and through understanding your individual business, JLT Mining can deliver:
Mining Jardine Lloyd Thompson is one of the world s largest providers of insurance, reinsurance and employee benefits related advice, brokerage and associated services. JLT s client proposition is built
More informationAbout Lewis Insurance Services
Corporate Profile About Lewis Insurance Services Established in 1996, Lewis Insurance Services stands out in the market as the team who go the extra mile. We help businesses better understand the risks
More informationCLINICAL INDEMNITY SCHEME. Draft Scope of Coverage
- 1 - CLINICAL INDEMNITY SCHEME Draft Scope of Coverage 1. General Principles The Clinical Indemnity Scheme has been established on the basis of enterprise liability. The fundamental principle underlying
More informationFinancial Services Guide
Financial Services Guide 1 November 2015 This Financial Services Guide is issued by: JBWere Limited (JBWere) ABN 68 137 978 360, AFSL 341162 jbwere.com Unless otherwise disclosed in the product disclosure
More informationIT Contracting Options
IT Contracting Options RIGHT PEOPLE! RIGHT PLACE! RIGHT OPTION! Welcome to Paxus! Australia s 1 st choice for IT people! We have been placing IT people since 1973 and our focus hasn t changed. You can
More informationAllegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596
Credit Guide ABOUT US ( we, us, our ): Credit Representative Allegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596 Contact details: Allegiance
More information11.1 DELWP s insurance cover for committees of management
11. Insurance This chapter looks at: types of insurance cover provided for the committee by DELWP groups not covered under this insurance insurance the committee may need to purchase incidents and claims.
More informationFinancial Services Guide
Financial Services Guide AETOS Capital Group Pty. Ltd. 12 January, 2016 V20160112 AETOS Capital Group Pty Ltd, ACN 125 113 117 Address: Website: www.aetoscg.com Phone: +61 (2) 9929 2100 Fax: +61 (2) 9929
More informationFinancial Services Guide 10.14
Financial Services Guide 10.14 Introduction This Financial Services Guide is designed to assist you in deciding whether to use any of the financial services offered by Australia and New Zealand Banking
More informationATTRACT REWARD RETAIN
LABORATORIES ATTRACT REWARD RETAIN My Benefits at IDEXX ATTRACT, REWARD, RETAIN My Benefits at IDEXX At IDEXX, our Mission is 'to be a great company by creating exceptional longterm value for our employees,
More informationPLAYER INSURANCE BROCHURE 2016
PLAYER INSURANCE BROCHURE 2016 INSURANCE INFORMATION This plan has been arranged by the Australian Rugby Union on behalf of all Insured persons. WHO CAN MAKE A CLAIM? A claim can be made by any person
More informationSpecialists at minimising risk exposure. Professional Indemnity Insurance Insurance Proposal Form
Specialists at minimising risk exposure Professional Indemnity Insurance Insurance Proposal Form Professional Indemnity Insurance Application Office Use Only Core Customer Segment Account number Policy
More informationCLAIM FORM FOR LOSS OF INCOME &/OR RE-IMBURSEMENT OF MEDICAL EXPENSES UNDER UNIVERSITY OR SPORTING ASSOCIATION POLICIES
CLAIM FORM FOR LOSS OF INCOME &/OR RE-IMBURSEMENT OF MEDICAL EXPENSES UNDER UNIVERSITY OR SPORTING ASSOCIATION POLICIES Correct completion of these forms will assist us to make accurate and faster decisions
More informationPublic and Products Liability Proposal Form
Public and Products Liability Proposal Form Solution Underwriting Agency Pty Ltd Level 5, 289 Flinders Lane Melbourne, Victoria. Australia 3000 T. 03 9654 6100 F. 03 9654 6200 www.solutionunderwriting.com.au
More informationFinancial Planning 1 July 2014
Financial Planning 1 July 2014 Financial Services Guide Equip Financial Planning 1800 065 753 www.equipsuper.com.au Financial Services Guide Find out how to achieve financial freedom This Financial Services
More informationBusiness insurance. a practical guide. 13 12 49 smallbusiness.wa.gov.au The small business specialists BUILDING YOUR KNOWLEDGE
Business insurance a practical guide BUILDING YOUR KNOWLEDGE Small Business Development Corporation 13 12 49 smallbusiness.wa.gov.au The small business specialists Business insurance Obtaining the right
More informationMASTER OF FINANCIAL PLANNING COURSE BROCHURE. Your success is how we measure our own
MASTER OF FINANCIAL PLANNING COURSE BROCHURE Your success is how we measure our own Contents Master of Financial Planning 4 Graduate Diploma of Financial Planning 5 Graduate Certificate of Financial Planning
More informationMEDICAL INDEMNITY. When you need an insurer who cares about healthcare
MEDICAL INDEMNITY When you need an insurer who cares about healthcare better cover for a broader range of risks flexible policy wordings tailored to your needs competitive rates, backed by the security
More informationRelationships. Understanding. Certainty. Your Best Insurance Policy
Relationships. Understanding. Certainty. Your Be Safeguarding our clients businesses as if they re our own. Your Be We believe that strong relationships allow for a deeper understanding of our Clients
More informationHome and Investment Loans
Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654
More informationBUSINESS PRACTICES PROTECTION INSURANCE TRANSPORT INDUSTRY
BUSINESS PRACTICES PROTECTION INSURANCE TRANSPORT INDUSTRY NOTICES RELATING TO THE OPERATION OF THIS POLICY Attention is drawn to Section 21 of the Insurance Contracts Act 1984 (Commonwealth) which provides
More informationInsurance, indemnity and medico-legal support
Insurance, indemnity and medico-legal support Statutory requirement for doctors to have insurance or indemnity We know doctors work hard to deliver good quality healthcare. But sometimes, things go wrong.
More informationProposal for Practice Indemnity Insurance
Proposal for Practice Indemnity Insurance Support Protect Promote This is a proposal for a Practice Indemnity Policy underwritten by MDA National Insurance Pty Ltd (MDA National Insurance) ABN 56 058 271
More informationBroadform Liability 38 P100032 PLB
Policy Schedule www.penunderwriting.com.au Class of Insurance: Policy Number: The Insured: Address of the Insured: Broadform Liability 38 P100032 PLB Athletics Australia Australian Masters Athletics, irun,
More informationStrata Unit Underwtiters (SUU) welcomes the opportunity to make a submission to the NSW Government s Strata and Community Scheme Review.
Strata header 1 20 November 2012 Strata and Community Scheme Review Fair Trading Policy PO Box 972 PARRAMATTA NSW 2124 Via email: policy@services.nsw.gov.au Strata Unit Underwtiters (SUU) welcomes the
More informationMozo Pty Ltd ( Mozo ) Financial Services and Credit Guide. Australian Financial Services and Credit Licence No: 328141
Mozo Pty Ltd ( Mozo ) Financial Services and Credit Guide Australian Financial Services and Credit Licence No: 328141 Date prepared: 19 May 2015 What is the purpose of this Financial Services Guide? This
More informationCHILDCARE PROPERTY OWNERS INSURANCE APPLICATION FORM
CHILDCARE PROPERTY OWNERS INSURANCE APPLICATION FORM Public & Products Liability and Professional Indemnity Insurance and Property Insurance. IMPORTANT NOTICE: PLEASE READ & RETAIN IN YOUR FILE This is
More informationFINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice
FINANCIAL SERVICES FINANCIAL SERVICES GUIDE Your step by step guide to receiving financial planning advice YOUR FINANCIAL FREEDOM At Catholic Financial Services, we help you achieve financial freedom.
More informationMBA Insurance Services (MBAIS) is a general insurance brokerage owned by seven of Australia s Master Builders Associations.
MBA Insurance Services (MBAIS) is a general insurance brokerage owned by seven of Australia s Master Builders Associations. THE PURPOSE OF THIS GUIDE This Financial Services Guide (FSG) is designed to
More informationMr and Mrs Sample and future owners or occupants of the Property and Your/their mortgage lender(s).
Absentee Landlord Indemnity Insurance Policy This Policy is the contract between You and the Insurer and it includes the Schedule and any endorsement, extension, plan or appendix issued with it. We have
More informationPROFESSIONAL INDEMNITY RENEWAL DECLARATION IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS RENEWAL DECLARATION
PROFESSIONAL INDEMNITY RENEWAL DECLARATION IMPORTANT INFORMATION: PLEASE READ THE FOLLOWING INFORMATION BEFORE COMPLETING THIS RENEWAL DECLARATION A. Obtaining a Quotation To minimise delays in obtaining
More informationLet us get a DOCTOR TO YOU
100% bulk billed, after-hours, doctor visits in the comfort of your own home Doctor To You provides 100% bulk billed, after hours, doctor visits to homes, in residential aged care facilities, in nursing
More informationProfessional Indemnity Insurance Glossary of Terms
Professional Indemnity Insurance Glossary of Terms Index Aggregation of claims Automatic reinstatement Average provision Cancellation Civil liability Claim Claims made Consumer protection legislation Continuous
More informationPrivateHealth.gov.au Australia s leading independent source of information about private health insurance
PrivateHealth.gov.au Australia s leading independent source of information about private health insurance There are many things to consider when looking into private health insurance how does it all work?
More informationPROFESSIONAL INDEMNITY INSURANCE PROPOSAL FORM
PROFESSIONAL INDEMNITY INSURANCE PROPOSAL FORM Answer all questions. Blanks &/or dashes, or answers known to underwriters or brokers or N/A are not acceptable & will delay consideration of this proposal.
More informationRisk Management Program for Doctors
15 to 31 March 2016 Risk Management Program for Doctors 1 April 2015 to 31 March 2016 Key Dates 2015 April 1 Program year commences July Bookings and activities available 13 Workshops begin December 11
More informationCredit guide. What you need to know about our services and how we will work with you. Documents we may provide you with
Credit guide What you need to know about our services and how we will work with you Documents we may provide you with Where we provide you with credit advice, we generally conduct a preliminary assessment
More informationOffice. insurance information
Office insurance information CGU Office Package provides all-in-one protection for people who operate their business from an office, including medical and health, financial services, professionals, consultants
More informationProductivity Commission inquiry into a long term disability care and support scheme. Avant Mutual Group submission
Productivity Commission inquiry into a long term disability care and support scheme Background Avant Mutual Group submission Avant Mutual Group Limited (Avant) is Australia's largest medical defence organisation
More informationYour Financial Services and Credit Guide
Your Financial Services and Credit Guide Version 8 Date: 01/07/2014 Table of contents www. THE DOCUMENTS YOU WILL RECEIVE FROM US - 3 - ABOUT OUR LICENSEE - 4 - ABOUT US - 5 - HOW WE MANAGE YOUR PERSONAL
More informationFinancial Services Guide
Financial Services Guide JLT Discretionary Trust (JDT) Arrangement MARCH 2014 About JLT The JDT Arrangement is a well-established proven alternative to standard insurance for many companies throughout
More informationTerrit ry ud et Su mission 2 15-2 16
ustralian Capital Territ ry ud et Su mission 2 15-2 16 National Seniors ;t\ustralia National Seniors Australia: Submission to the 201S-2016 Australian Capital Territory Budget About National Seniors Australia
More informationFINANCIAL SERVICES GUIDE
FINANCIAL FACT FIND PARKHILL FINANCIAL PLANNING PTY LTD FINANCIAL SERVICES GUIDE Authorised Representative of INTEGRITY FINANCIAL PLANNERS PTY LTD Authorised and issued by Integrity Financial Planners
More informationMasterpiece Signature Personal Insurance
Masterpiece Signature Personal Insurance Supplementary Product Disclosure Statement Issued 11 May 2015 This is a Supplementary Product Disclosure Statement (SPDS) which provides information about important
More informationPrivate Health Improvements.
Private Health Improvements. Australia s health system is one of the best in the world a unique mix of public and private health care designed to make sure all Australians are well covered for their needs.
More informationREAL ESTATE AGENTS & PROPERTY MANAGERS PROFESSIONAL INDEMNITY PROPOSAL FORM
IMPORTANT NOTICES CLAIMS-MADE INSURANCE REAL ESTATE AGENTS & PROPERTY MANAGERS PROFESSIONAL INDEMNITY PROPOSAL FORM This policy is issued on a claims-made basis. This means that the policy only covers
More informationIMPORTANT NOTICE PLEASE READ THE FOLLOWING ADVICE BEFORE PROCEEDING TO COMPLETE THIS PROPOSAL FORM
IMPORTANT NOTICE PLEASE READ THE FOLLOWING ADVICE BEFORE PROCEEDING TO COMPLETE THIS PROPOSAL FORM Your Professional Indemnity Insurance Policy is issued on a CLAIMS MADE basis. This means that this policy
More informationHOME INDEMNITY INSURANCE - WESTERN AUSTRALIA POLICY WORDING
POLICY WORDING HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA GLA RBUA HII WA 1115 Effective Date 01 November 2015 Welcome to the financial security provided by RBUA Home Indemnity Insurance - Western Australia
More informationCapability Report. JLT Sport
Capability Report JLT Sport Table of Contents Introduction to JLT 3 The JLT Sport Difference 4 JLT Sport Service Platform 5 Sport Expertise 6 Risk Management Solutions 7 2 Introduction to JLT Distinctive.
More informationLeaders in Marine and Transit Insurance Expertise Service Security
Builders Risks Insurance PROPOSAL Leaders in Marine and Transit Insurance Expertise Service Security Builders Risks Proposal Information you will want to know about this Insurance. THE POLICY As a ship
More informationSUPERANNUATION. Integra Super OnePath Life Limited. Insurance Guide
SUPERANNUATION Integra Super OnePath Life Limited Insurance Guide 27 February 2012 Integra Super Entity details in this Insurance Guide Name of legal entity Registered numbers Abbreviated terms used throughout
More informationCGU Professional Risks Professional Indemnity Insurance
CGU Professional Risks Professional Indemnity Insurance Summary of significant changes: Professional Indemnity Insurance Policy (CGU PI 12-12) Replacing: Professional Indemnity Insurance Policy (CGU PI
More informationFINANCIAL SERVICES GUIDE
FINANCIAL SERVICES GUIDE Last updated: 19 th August 2015 Issued by: OzFinancial Pty Ltd ABN: 85 106 823 741 Australian Financial Services Licence Number: 241041 OzFinancial Australia Pty Ltd (OzFinancial
More informationDoctors Fees - A Guide for Consumers
Doctors Bills A guide for consumers about doctors fees. In Australia, doctors are free to decide how much to charge for their services. How are doctors fees set? In Australia, doctors are free to decide
More informationSamantha Ip Clark Wilson LLP tel. 604.643.3172 ssi@cwilson.com D/RJR/682791.1
by Samantha Ip Clark Wilson LLP tel. 604.643.3172 ssi@cwilson.com D/RJR/682791.1 TABLE OF CONTENTS A. INTRODUCTION...1 B. GENERAL INFORMATION ON THE TYPES OF LIABILITY INSURANCE...1 1. GENERAL LIABILITY
More informationHow To Write A Professional Indemnity Proposal Form For Management Consultants
Professional Indemnity Insurance Management Consultants Proposal Form Towergate Lifestyle Suite 4b, 1 Portland Street, Manchester, M1 3BE Tel: 0844 892 1789 Fax: 0844 892 1796 Email: lifestyle@towergate.co.uk
More informationProfessional Indemnity Proposal form
IMPORTANT INFORMATION Please read this first Professional Indemnity Proposal form Important facts relating to this proposal form You should read the following advice before proceeding to complete this
More informationdirectors & officers liability insurance information
directors & officers liability insurance information CGU Professional Risks, as one of Australia s leading directors and officers insurers for over 20 years, offers an insurance policy that is designed
More informationApplication Form and Insurance Information
Application Form and Insurance Information Family Day Care Australia Educator Insurance 9 Insurance Application Form C A O OFFICE USE ONLY Applicant Details Name of family day care coordination unit you
More informationCoast and Country Insurance Consultants Pty Ltd General Insurance Department
Coast and Country Insurance Consultants Pty Ltd General Insurance Department Coast and Country Insurance Consultants General Insurance Department consists of five team members: Three Brokers, Kerri Day,
More informationInsurance for Dentists. Insurance. In association with
Insurance for Dentists Insurance In association with It s refreshing to deal with real people who relate to me and understand dentists. Welcome As a dentist, we know that you understand the importance
More informationFinancial Services Guide
Financial Services Guide Date of issue: 1 Jan 2015 This Financial Services Guide (FSG) is an important document. Please ensure that you read this FSG carefully. It is provided by Club Plus Financial Planning
More informationDental Essentials. Claims Scenarios
Dental Essentials Claims Scenarios Dental Essentials Claims Case Studies We know how hard and time consuming it is to run a professional practice. That s why we designed an exclusive, competitive and comprehensive
More informationGIB. Proposal Form Architects and Civil Engineers- Project Cover INSURANCE B OTSWANA. I. General Data. 1. Name of proposer in full
1 GIB G E N E R A L INSURANCE B OTSWANA I. General Data 1. Name of proposer in full 2. Address of head office 3. Address of branch offices and name(s) of resident partner(s) FOR OFFICIAL USE ONLY Policy
More informationCMC Markets Cash Account
bankwest.com.au CMC Markets Cash Account The CMC Markets Cash Account (Cash Account) is a deposit product of Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit
More informationJLT SPORT. How To Make A Claim. Public Liability, Professional Indemnity and Associations Liability Claims
How To Make A Claim JLT SPORT Public Liability, Professional Indemnity and Associations Liability Claims It is essential that you notify JLT Sport immediately of any potential claim. It is also extremely
More informationPlaying it safe: Hints to avoid a claim Presentation to University of Melbourne Students
Playing it safe: Hints to avoid a claim Presentation to University of Melbourne Students Disclaimer: The information in this presentation is general information relating to legal and/or clinical issues
More informationTransition to licensing program. The first step towards transforming your accounting practice
Transition to licensing program The first step towards transforming your accounting practice Licensing the key to transforming your accounting practice Transition to Licensing Program outline Transition
More information