Medical Indemnity

If you're a healthcare professional or manage a medical establishment, make sure you're covered with CGU Medical Indemnity Insurance.

Medical Indemnity

CGU Medical Indemnity Insurance protects both professionals and establishments in the fields of medical and allied health fields from claims for financial loss, bodily injury or property damage arising from acts, errors or omissions in the provision of health care services.

Why you may need to be put in touch with an insurance adviser for this product

If your business has complex or unique needs in relation to Medical Indemnity Insurance, we may put you in touch with an independent insurance adviser who can help assess your risks and give you specialist advice on what level of cover will suit your needs.

For medical, health and allied professionals the policy features ensure extensive coverage:



  • Breach of duty (including duty of confidentiality)
  • Defamation
  • Loss of or damage to documents (to the full policy limit)
  • Dishonest/fraudulent/criminal or malicious acts (vicarious liability cover)
  • Infringement of intellectual property
  • Misleading and deceptive conduct under the ASIC Act 2001
  • Breaches of the Competition and Consumer Act & the Fair Trading Acts (Australian & New Zealand)
  • Definition of 'claim' includes written and verbal demands
  • Claims Investigation Costs (defence costs & expenses) paid in addition to the Policy Limit for Australia & New Zealand jurisdictions
  • Advancement of claim investigation costs
  • Continuous cover


For medical, health and allied establishments the policy provides the cover specified above for professionals plus:



  • Good Samaritan Acts cover
  • Medical Benefits Fraud Cover (vicarious liability cover)
  • Fund raising & social activities cover
  • Insured’s vicarious liability for medical practitioners (including locum doctors)
  • Statutory Liability cover ($500,000 sub-limit)
  • Molestation Defence Costs Cover ($250,000 sub-limit)
  • Free legal consultation (2 hours per Period of Insurance)



Why does a health care establishment need medical indemnity insurance?
Firms or incorporated bodies providing health care services whether they operate a general practice, day surgery, nursing home or hospital can still be held responsible for the provision of such health care services regardless of whether the medical practitioner or locum doctor is an employee or not, and regardless of whether the practitioner or locum has their own individual medical indemnity insurance.