Insurance Coverage Specifics

• Who is eligible to be covered under the NPAA Member PII Policy and legal backup service?

  You must be:

  • a financial member or a financial affiliate member, and maintain that status whilst you are working;
  • a non-working member or affiliate who is registered with NPAQ/NPAA in that capacity;
  • a student registered with NPAQ/NPAA. (Students are covered for the entire period of their studies including whilst doing clinical placements as a student);
  • an Honorary Life Member of NPAQ/NPAA.

• Who does the NPAA member PII Policy and legal backup service cover?

  • registered and enrolled employee nurses and midwives;
  • ancillary and related services to the health industry - care workers, assistants in nursing, administration and orderlies;
  • nurse practitioners;
  • paramedics and ambulance officers;
  • dental nurses, pharmacists;
  • allied health professionals - physiotherapists, occupational therapists, podiatrists, psychologists;
  • alternative or natural therapists - acupuncture, aromatherapy, naturopathy, massage and reflexology; and
  • training, education and voluntary work in nursing.

• Who is not covered?

  • Any member or affiliate who is not an employee. If you are working as an independent contractor nurse or midwife you are not covered for any work done in that capacity. If you are also an employee for part of your working week, then you will only be covered for that part of your week, but not for the time you are working as a contractor.
  • Any nurse or affiliate working in the USA or Canada.
  • Radiographers and sonographers.
  • Employee midwives working for small private clinics may not be covered. (Check with us first)

• What is covered?

  • Civil liability for loss arising from any negligent act, error or omission.
  • Where you are summoned to give evidence before a coronial inquest and you require legal representation.
  • Defamation claims including accusations of inappropriate cultural safety practices.
  • Good Samaritan acts where a nurse voluntarily renders nursing, life-saving or life-extending services at the scene of a medical emergency or whilst doing voluntary community service.

• What is not covered?

  • Criminal offences are not covered, nor are claims arising from gross negligence and/or dishonest, fraudulent or malicious breach of duty.
  • Claims from any un-financial member unless you have registered with us as having ceased practice. In that case, the run-off cover will continue for another 84 months (seven years). Non-working members who have remained registered with us are still covered.
  • Claims not notified to us in the insurance period in which the member became aware of the circumstances.

• Do members or affiliates have to pay any excess on a claim under the policy?

  • No. No claimant (member or affiliate) has to pay any excess in the event of a claim.

• Public Liability Insurance

  • All eligible members and affiliate members as described above are covered for public liability to $10 million (see Certificate of Currency at the top of the page for further details).