Insurance for Nurses
Meets Australian Health Practitioner Regulation Agency (AHPRA) requirements
1-hour complimentary legal advice specifically related to policy coverage and matters that may give rise to a claim
Nil excess, subject to claims history
Option to add coverage for cosmetic injectables
Why do I require insurance as a nurse?
Requirements by the Nursing and Midwifery Board of Australia (NMBA) registration standard states that enrolled nurses, registered nurses and nurse practitioners who hold insurance cover in their own name need to retain evidence of their insurance and to provide it to NMBA on request.
According to the NMBA, Professional Indemnity insurance arrangements may be provided:
- through your private or public sector employer
- as part of membership of a professional body, trade union or defence organisation
- through a contract of insurance obtained by you directly from an insurer or through an insurance broker, or
- through a combination of the above.
The product extends to a diverse range of roles, including but not limited to Aboriginal and Torres Strait Islander Health Nurses, Aged Care Nurses, Case Managers, Clinical Nurse Specialists, Nurse Practitioners, Community Health Nurses, School Nurses, Accredited Nurse Immunisers, Mental Health Nurses and students.
Doing cosmetic work on the side?
We have the option to add medical cosmetic injectables under your policy, with the flexibility to include and exclude PDO/Mono Threads depending on what services you provide. Just ask us how.
The Healthcare Professionals Civil Liability
- Comprehensive Civil Liability coverage.
- Comprehensive claims made Public & Products Liability cover.
- 1-hour complimentary legal advice specifically related to policy coverage and matters that may give rise to a claim that relates to the policy and profession.
- Individual choice of limit.
- Access to the ProRisk Whistleblower Hotline Service.
- Competitive pricing.
- Includes coverage for medical cosmetic injectables.
Full scope of practice coverage including ear syringing
Ear syringing is covered. The only exception is prescribing psychotropic medications. See below for the full scope of practice that is covered under this product.
Employed Nurses
If you are employed, and you only work for an employer, your employer is likely to have PII arrangements that provide appropriate cover for your practice and the risks involved in your work.
*An employer's PII arrangements will only provide cover for activities you carry out as part of your duties during your employment. If you have undertaken any self-employed work prior to employment, you may need to maintain your own policy to cover for your previous work because this is likely not covered under your employer's policy.
Self-Employed Nurses
If you are self-employed, you will need to make sure that you have made your own PII arrangements.
If you carry out a combination of employed and self-employed roles, you will need to make sure that you have PII arrangements in place for your self-employed work, as this will not be covered by any PII arrangements put in place by your employer. You should always make sure you have PII arrangements in place which provide appropriate cover for all parts of your practice.
Modalities
Health Care Settings
| Aged Care | Correctional Facility | Defence Forces | Government |
| Indigenous Health (ACCHS/AMS) | Nurse Consultant | Primary Health Network | Skin Health |
| Student | Community Health | General Practice | Hospital |
| Mental Health | Pharmacy | School Nursing | Specialist Rooms |
| Uni/TAFE/Education Provider |
Positions
| Aboriginal and Torres Strait Islander Health Nurse | Aged Care Nurse | Case Manager | Child and Maternal Health Nurse |
| Clinical Nurse Specialist | Consultant | Diabetes Educator | Home Care |
| Manager/Team Leader | Nurse Practitioner | Outreach | Policy |
| Practice Nurse | Refugee Health Nurse | School Nurse | Student |
| Work Health and Safety | Accredited Nurse Immuniser | Care Coordinator | CEO |
| Clinical Nurse Consultant | Community Health Nurse | Correctional Facility Nurse | Educator |
| Locum/Agency Nurse | Mental Health Nurse | Nurse Manager | Nurse Telephone/Advice line |
| PHN Practice Support Officer | Postgraduate student | Project Officer/Manager | Researcher/Academic |
| Specialist Rooms Nurse | Women's Health Nurse |
Enrolled Nurse (Modalities)
| Medication Administration | Wound Care | Vital Signs Monitoring | Basic Nursing Care |
| Catheterization | Blood Glucose Monitoring | Phlebotomy | Respiratory Care |
| Ear Syringing | Patient Observation | Mobility Assistance | Continence Care |
| Oral Suctioning |
Registered Nurse (Modalities)
| Advanced Medication Administration | Patient Assessment | Care Planning | Advanced Wound Care |
| Intravenous Therapy | Palliative Care | Health Education | Chronic Disease Management |
| Infection Control | Mental Health | Clinical Supervision | Triage |
| Emergency Care | Patient Advocacy | Nutritional Support | Pre- and Post-Operative Care |
Nurse Practitioner (Modalities)
| Diagnosis and Treatment | Minor Surgical Procedures | Advanced Diagnostic Tests | Chronic Disease Management |
| Prescribing Medications | Referral to Specialists | Health Promotion and Disease Prevention | Telehealth Services |
| Advanced Cardiac Life Support (ACLS) | Comprehensive Care | Specialist Consultations | Health Policy Development |
| Complex Case Management | Emergency Department Care |
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