Medical Indemnity Insurance

Our Services

Experien is a national insurance brokerage firm to doctors who work in the private sector, and we help hundreds of doctors with their medical malpractice insurance. We canvas the market on your behalf to secure the best cover for your circumstances.

The Benefits of Using an Adviser/Broker for your Medical Malpractice Insurance

Experien has been advising doctors on their medical malpractice insurance for several years as a broker. Our clients have benefited greatly from our services which includes:

  • Complimentary market comparisons – often finding improved features and better prices
  • No additional charges on top of the insurance premium
  • Dispelling myths like the loss of retroactive cover
  • Helping you avoid mistakes like an out of date category of practice registered with your insurer
  • Additional support for claims at your option with no extra costs to do so
  • Ongoing reviews every year at no charge
  • Access to a personal adviser that you can call at any time
  • Obtaining group discounts in some circumstance
  • Access to our multi-policy reward

Our Insurers

Experien works with 3 medical indemnity insurers in Australia.








How can Experien help you?

Experien understands each insurer’s strengths and can help you by providing:

  • Access to our extensive research on pricing, policy features, service and the financial strength of the insurers
  • Experien can act as your broker with MDA, MIGA or Tego
  • Transparency – making you aware of all your options and what you are getting for your premiums
  • Analysis of differences in policy coverage (and we ensure that you do not lose your retroactive cover or “tail” when changing insurers)
  • Technical advice, including how your individual medical indemnity insurance should be coordinated with medical indemnity insurance for your practice liability exposures.

What do we do for you?

We will prepare a comprehensive report for you which comes with no obligations or charges. We simply need to collect your:

  • practicing category,
  • annual billing amount,
  • retroactive date, and
  • details of past claims.

If you proceed with our recommendations then we will complete the paperwork for you and get your cover accurately in place. We are then on call to help you throughout the year, including any claims that may arise and will repeat this process each year.

What are we seeing?

Most doctors working in the private sector will be renewing their medical indemnity insurance policies in June or December each year. Our broking activity is highlighting a wide range in the price of similar policies so more doctors are considering the broking option.

What have doctors not shopped around in the past?

Most doctors stick with the insurance policy they are given for free when then are studying. As they progress their career into private practice, they are busy and don’t have the time to consider if their policy is the best solution for them. A broker can do all the work for you to ensure you get the best combination of features, security, service and price.

What can go wrong if you deal directly with insurers?

Mistakes can happen and you may miss out on policy features. Hopefully your billings have risen over time so it’s critical to note the correct amount when you renew. Many doctors forget to do this. It is also critical to ensure your “retroactive” date (when your first started private work) is correctly recorded as well as the exact nature of your work/category of practice. Failure to do this correctly could leave you with gaps in cover. For example, we have seen a non procedural GPs start to do procedural work but fail to update their insurance. Another mistake could include forgetting to notify insurers of potential claims.

Am I able to change insurers?

Absolutely, the market has, up until recently had four active insurers competing for business and all of these insurers will cover you for your “retroactive” cover if you move to them.

Can I only change insurers on my policy anniversary?

No. You can consider a change at any time of the year. You do not need to wait until your policy anniversary to move if you will be better off with an alternative insurer. We will consider any penalties you may face at your existing insure and the potential savings and improved benefits at a new insurer before making any recommendation on whether or when to move insurers.

Why do medical malpractice insurance premiums vary so widely?

Insurance companies quote different premiums as a result of differences in:

  • Rating methodology,
  • Corporate strategy and underwriting appetite,
  • Claims experience, and
  • Capital management.

Request a medical indemnity quote.

Please click here for our Financial Services Guide, which includes important regulatory disclosures regarding our license, remuneration and complaints handling.

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include our FSG and Product Disclosure Statements (PDS) for some products.
Clients not satisfied with our services should contact our Complaints Officer. We expect that our procedures will provide a fair and prompt resolution to your complaint. If, however, you’re not satisfied with our final decision or if we haven’t been able to resolve the complaint to your satisfaction within 45 days, you may be able to take the complaint to the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free for consumers. You can contact the AFCA by 1800 931 678 (free call), or at