Insurance for Medical Professionals
General insurance guidance for medical professionals, including doctors, surgeons, dentists and allied health.
Medical professionals often invest many years in training before reaching their current earning level. As a result, personal insurance can be one way some medical professionals consider managing the financial impact of illness, injury or disability that affects their ability to practise.
Medical occupations can also involve specific considerations, such as fine motor skills for surgeons or repetitive strain for dentists. The terms and definitions in a personal insurance policy — particularly Total and Permanent Disability (TPD) — can affect how cover applies. The appropriate combination of cover varies by individual.
How we work with medical professionals
Higher income considerations
We can outline income protection options that may be relevant where personal exertion income is higher, including how income from private practice, hospital appointments and consulting is generally treated.
Total and Permanent Disability (TPD) definitions
We can explain the difference between ‘own occupation’ and ‘any occupation’ Total and Permanent Disability (TPD) definitions and how they may be relevant for medical professionals.
Considerations for early-career professionals
For registrars and early-career practitioners, we can outline how some policies allow cover to grow as income changes.
Trauma considerations
We can outline how trauma cover may apply where a serious diagnosis affects future ability to practise.
How we work with medical professionals
We work with doctors, surgeons, dentists and allied health professionals. Our role is to outline the personal insurance options available across the market and explain how key terms and definitions can affect cover.
Different insurers approach medical occupations and definitions differently. Comparing across the market can help identify suitable cover and competitive premiums for individual circumstances.
We aim to keep the process efficient — generally one initial conversation, followed by clear options and assistance with paperwork.
Cover Options for Medical Professionals
We help medical professionals find the right combination of cover from these four types of insurance.
Life Insurance
A lump sum for your family if you pass away or are diagnosed with a terminal illness.
Learn moreIncome Protection
Replaces up to 70% of your income if illness or injury stops you from working.
Learn moreTotal Permanent Disability (TPD)
A lump sum if you become totally and permanently disabled and can no longer work.
Learn moreTrauma Insurance
A lump sum on diagnosis of a critical illness like cancer, heart attack, or stroke.
Learn moreCommon Questions from Medical Professionals
Ready to Protect What Matters?
If you would like to discuss the personal insurance options available to you as a medical professional, you are welcome to book a free, no-obligation conversation.
* Statistics and figures referenced on this page are sourced from Rice Warner Underinsurance Reports, ABS Lending Indicators, ASFA, and industry publications. Figures are approximate and individual circumstances vary.