Insurance Coverage Specifics

• Who is eligible to be covered under the NZMPS 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 NZMPS in that capacity;
  • a student registered with NZMPS. (Students are covered for the entire period of their studies including whilst doing clinical placements as a student);
  • an Honorary Life Member of NZMPS;
  • Self-employed medical professionals are covered.

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

  • Registered medical professionals
  • Dentists, pharmacists (Associates)
  • Allied health professionals - podiatrists, psychologists (Associates)
  • Registered medical professional's (with or without an APC) practicing in alternative or natural therapies

   

• Who is not covered?

  • Any medical professional or affiliate working outside of New Zealand.
  • Chiropractor's are not covered under this policy.

• 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 medical professional voluntarily renders 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.