Frequently Asked Questions


Does the purchase of Medicus insurance provide saving to me and/or New Zealand Health services?
Yes - our competitive pricing will usually mean savings in premium costs (up to 30% in some cases) can be achieved.


Is it easy to join Medicus?
You can join Medicus anytime, either through this website or by emailing us at nz.medicus@aon.com
If you already hold indemnity insurance in New Zealand you may be able to cancel your cover before the annual anniversary date, you should check with your current provider that cancellation is available and wont effect any existing indemnity notifications you might have with them.


Is my insurance cover New Zealand controlled?
Yes - All decisions about acceptance, cover and claims are made in New Zealand by New Zealand based entities.


Do I know what I am covered for?
Yes - You receive your own policy of insurance that is a legal contract and details the indemnity provided and defines your obligations and responsibilities and those of the insurer.


Can I get assistance 24/7?
Yes - Medicus members can contact us on 0800 156 975 for medico-legal guidance and support 24 hours per day throughout the year.


Will I be involved in the selection of legal counsel and or expert advisors/witnesses?
The Medicus insurer has appointed a panel of legal advisers after consultation with the Board of Medicus. Members will be consulted as to the selection of one of the appointed legal advisers.


Can all the registered health professionals I work with be insured by Medicus?
Medicus have a wide range of accepted modalities and vocations and are able to provide individual cover for each qualified member of your team e.g. practice nurses, technicians, radiographers etc.


Does Medicus provide unlimited retroactive cover?
Yes, the Medicus policy provides full cover for past activities undertaken in New Zealand (excluding  circumstances that are already known whether or not they have been reported to another medical indemnity insurer)


What is meant by the expression "claims made"?
The Medicus policy is issued on the basis of "claims made". This means that the current policy responds to a claim for indemnity even though the event giving rise to the claim (or possible claim) may have occurred in a previous policy year. Continuation of the policy is essential to ensuring on-going indemnity is provided, if the policy is cancelled, no claims can me made under it.


What happens when I retire?
As a member benefit, qualifying Medicus members who have insured continuously with Medicus for not less than three years prior to retirement from all practice will receive complimentary on-going insurance cover at nil additional cost.


What is Run Off cover?
“Run Off” cover is an insurance term meaning insurance indemnity is only required for past activities i.e. you no longer require cover for future activity. When you retire, the insurance becomes in "run off". If you are no longer practicing in New Zealand or intending to take a break from practicing for a period of time, you will also need to consider maintaining current insurance in "run off". Discounted pricing apply (unless you qualify for the complimentary run off upon retirement)


Will I still be insured if I work overseas?
The Medicus policy is designed to provide indemnity for claims arising from your work in New Zealand. The policy does not insure you for work that you undertake overseas. It is recommended that you keep separate insurance in the country where you elect to work. It is also important to consider obtaining "Run Off" insurance for the work you have done in New Zealand. Otherwise cancellation of the 'claims made" policy means that you can no longer claim against the policy even though you may have been insured at the time of the event giving rise to the claim.

Does Medicus provide education seminars talks and information?
Yes - By request on topics chosen by you.


Am I insured for defamation claims arising from my professional practice?
Yes - Defending you against allegations of defamation arising out of your practice are covered within the insurance policy extensions


What if I am going to locum in Australia on a short term contract?
Just as you would if working overseas, you would need to arrange insurance in Australia for any locum work you do there. At this time we are unable to arrange cover for you outside New Zealand but the following websites may be useful: www.avant.org.au
For physiotherapists and other allied health professionals go to: www.aon.com.au