Professional Indemnity Insurance & Risk Management

Professional Indemnity Insurance & Risk Management

As Australia is one of the most litigious countries in the world, with our widening scope of practice, complex patients and time pressures, how protected are you?

Membership with Optometry Australia means you are automatically covered under our premium Professional Indemnity Insurance (PII). This insurance is provided by Australia’s largest medical indemnity insurer Avant, is tailored to our profession and created with input from optometrists. Not only can members access Optometry Australia for clinico-legal advice, but also Avant’s medico-legal experts when you need them, 24/7 in emergencies.   

Avant hotline for Optometry Australia members 
Tel: 1800 128 268 (press #2 to select medico-legal option)
Email: nca@avant.org.au 
This is a complimentary and confidential hotline. 
Download Avant incident notification form 

PII with Optometry Australia

OA’s PII policy meets (and  exceeds) Ahpra registration requirements for PII: under our policy, you are covered in any role, clinical or non-clinical, paid or unpaid, employee/employer or locum, where you use your skills and knowledge as an optometrist to:

• provide direct clinical care to a patient
• conduct an examination, provide a report or opinion at the request of a third party 
• provide education or conduct research, give a presentation or address, publish an article in a newspaper, newsletter or journal to the extent that it provides health information or health advice, or 
• act in an administrative capacity
  

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Highlights of your Optometry Australia Avant PII policy

This is a highlights summary only and not a legal document. For details, please read the full policy. 

	Peace of mind you have a premium level of coverage	Up to $20 million in professional indemnity insurance for every OA member (this is not pooled/shared with other members).
	Excess	$nil
	Medico-legal lawyer, 24/7, 365 days	Our legal assistance is not time-limited.
	Cover for legal fees for disciplinary, regulatory (e.g. Ahpra, HCCC) and criminal investigations	Up to $2 million to fight work-related complaints that could result in deregistration (or even imprisonment).
	Cover for your practice entity and practice staff	Automatic cover for your practice and staff. Your practice, along with staff conducting pretesting or contact lens teaching under your direction and supervision, are covered under your policy (saving you from needing additional policies).
	Cover for privacy breaches	Automatic cover for unintentional breaches of patient confidentiality or privacy legislation; e.g. if a patient’s information was accidentally emailed to the wrong person or published online.
	Overseas charity or aid work	Covers you for up to 120 days of overseas charity and aid work.
	Locums	Are you a locum? OA's policy automatically covers you, wherever you work in Australia. The policy travels with you and is not limited to one employer.
	Unlimited years of retroactive cover	For the ultimate peace of mind, if you’ve had a PII policy in place for the last 12 months, OA’s policy provides you with unlimited years of retroactive cover for past events that you weren’t aware of. Other insurers may not provide retroactive cover, or may limit retroactivity to, for example, two years only.
	Unlimited years of run-off cover	Are you retiring, taking parental leave or taking a career break? OA's policy provides peace of mind with unlimited years of run-off cover, protecting you after you stop working. Unlimited run-off cover is rare. Without it, you would need to purchase additional annual run-off cover yourself after you stop work. Note, this unlimited run-off cover becomes void if you begin practising again or change to a new PII policy that isn’t under Optometry Australia. E.g. Kira has been retired for two years. During her retirement, she received an AHPRA patient complaint regarding an incident that occurred four years ago. OA's policy will still cover her, even though she is retired.
	Cover for working in the United Kingdom and New Zealand	Many members work between these countries. OA's policy can be extended for a small additional fee to provide full coverage to those members wishing to work in the UK and/or NZ.
	Court attendance costs	OA's policy also covers you up to $50,000, at a maximum daily rate of $500, for your personal expenses (e.g., travel, accommodation), if you are compelled or requested to attend, a court, tribunal, inquiry or inquest.
	Telehealth services	Yes. OA's policy covers you in relation to providing optometry services via telehealth within Australia.
	Loss of documents or data	OA's policy will cover you up to $250,000 for costs incurred to replace or restore documents. This includes lack of access to electronic data (including cyber-attack and/or extortion demand).

What is PII?

PII, which is included in your OA membership, is a form of insurance that protects you from bearing the full cost of damages in any claim of negligence relating to your professional work, as an optometrist, paid or unpaid.

OA’s PII policy includes, but is not limited to claims resulting from the:

• direct treatment of your patients
• clinical advice provided to your patients or potential patients
• follow-up of your patients

OA’s PII policy protects you, the optometrist, against civil liability incurred by, or loss arising from, a claim made as a result of a negligent act, error or omission made by you. Scenarios which may give rise to a negligence claim can include:

• failure to manage your patient with appropriate care or skill
• misdiagnosis, failure to diagnose or delay in making a diagnosis
• incorrect therapeutic, spectacle or contact lens prescription provided
• unsatisfactory follow-up care
• failure to report
• failure to act/respond as required on/to test results or reports from other professionals
• privacy breaches
  

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Why do I need PII?

It is mandatory for all registered optometrists in Australia to have PII, as stipulated by Ahpra. Annual registration renewal requires you to make a declaration that you are covered for all aspects of your practice. Optometrists who are not members of OA should ask for and retain a copy of their policy documents from their own provider to ensure the cover is appropriate, meets Ahpra’s minimum requirements and meets their needs.

Download

• Professional Indemnity policy document
• Your Certificate of Currency
• Policy Highlights Brochure