What cover does a doctor need to have to be covered by the ECS?
The doctor must have medical indemnity insurance cover to at least the nominated threshold. The threshold is set by the Government through legislation. It is currently: • $20 million for claims not notified from 1 July 2003 when contracts of insurance were required under the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003. • $15 million for claims notified from 1 January to 30 June 2003 (this is for members of UMP whose insurer AMIL was the first to offer contracts of insurance with a cover limit. The cover limit was $15 million, this was increased to $20 million on 1 July 2003). However if the doctor has a contract of insurance which has a limit higher than the threshold, the Scheme will apply above the contract limit. The doctor must be named or referred to in the insurance contract. The ECS will not cover corporate bodies, even if they are run by a doctor.
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