Midwife Professional Indemnity Scheme

MPIS provides financial assistance to eligible insurers who provide indemnity to eligible midwives.

Payment rates

Level 1 Commonwealth Contributions (Claims Scheme)

From 1 July 2010, the insurer will pay the first $100,000 for each Level 1 claim.

For each claim over $100,000, the Government will pay, via the insurer, 80% of the cost that exceeds the threshold, up to a ceiling of $2 million.

For example:
A claim of $500,000 exceeds the threshold by $400,000. The insurer pays the first $100,000 and 20% of the remaining $400,000, and the Government pays 80% of $400,000.

Level 2 Commonwealth Contributions (Claims Scheme)

From 1 July 2010, the insurer will pay the first $100,000 for each Level 2 claim.

For each claim that exceeds $2 million, we will pay, via the insurer, at the Level 1 rate for the first $2 million, plus 100% of the cost of the claim above the threshold.

Run-off Cover Commonwealth Contributions (Claims Scheme)

From 1 July 2010, under the Run-off scheme eligible claims will be paid by us. The insurer will pay an annual levy on total premium costs. Levies collected will fund midwife Run-off Cover claims.

Run-off Cover is designed to assist an eligible insurer cover claims made against midwives who:

  • are retired
  • were not engaged in private practice during the preceding 3 years
  • have a permanent disability
  • are deceased
  • are on maternity leave, or
  • have permanently left private midwifery practice in Australia

Run-off Cover Commonwealth contributions reimburse the insurer 100% of an eligible claim.

Claim process

The MPIS claim process is completed online through the Health Professional Online Services (HPOS) system.

A checklist in the electronic claim system allows insurers to check that they have provided the required documentation to support their claim.

Step by step instructions is available to insurers on:

  • searching for midwives or existing claims
  • submitting a new claim
  • adjusting a completed claim

Read more about accessing the Midwife Professional Indemnity Scheme using HPOS.

Insurers will receive a notification with advice that we have received your claim and that it is under assessment. Insurers will also be sent a notification to notify you of the outcome of your claim.


For additional assistance, contact us at the Midwife Professional Indemnity Contact Centre.

Related payments and services

Page last updated: 27 August 2017