Professionals Insurance Online :: Calculators

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Professionals Insurance Online Medical and Health Practitioner Insurance Calculator

Estimate your insurance needs as a medical or health practitioner with our Medical and Health Practitioner Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.

Health / Medical Practitioner – Insurance Estimator

For private clinics, dentists and allied health. Totals your property replacement values, suggests Professional Indemnity (PI) and Public Liability (PL) limits, estimates Business Interruption (BI), and hints at Deterioration of Stock and Cyber/Data Breach needs. Not a quote or advice.

Clinic profile

Specialty

Number of practitioners

Patients per day (avg)

GST treatment

Contract/regulator PI limit (floor) If your lease/health network sets a minimum limit, select it here.

Retroactive exposure (years) PI is claims‑made; longer retro increases tail risk.

Clinical exposure flags

Invasive/minor surgical procedures?

Sedation/anaesthesia used?

Radiation/ionising imaging?

Claims in last 5 years?

Property & equipment

Add replacement values. Use ex‑GST if you claim credits. Glass/signage optional.

Medical & diagnostic equipment

Dental chairs, autoclaves, x‑ray/OPG/ultrasound units, lasers, ECGs, treatment beds.

Electronics & IT

Practice management servers/PCs, laptops, networking/Wi‑Fi, CCTV/DVR.

Consumables & cold‑chain

Consumables total ($)

Vaccines/biologics in fridges ($)

Glass/signage total (optional)

Financier (optional)

GST treatment

Business Interruption (Gross Profit)

Annual turnover ($)

Gross profit margin (%)

Indemnity period (months)

AICOW / uplift (%)

Cyber/Data Breach hint

Active patient records

Telehealth/ePrescribing use

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Professionals Insurance Articles

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Protecting Your Professional Income: Understanding Income Protection Insurance

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How Cyber Insurance Can Protect You as a Freelance Professional

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Essential Insurance Solutions for Australian Professionals

In today's ever-evolving professional landscape, having the right insurance coverage is becoming increasingly important for Australian professionals. As more individuals step into freelance work and independent contracting, the need for tailored insurance solutions becomes crucial. Professionals in fields like IT consulting, engineering, and interior design face unique risks that necessitate proper protection. - read more

Tailoring Income Protection for Medical Professionals

Income protection insurance is a vital safety net for individuals across various professions, designed to provide financial stability if one is unable to work due to illness or injury. This type of insurance replaces a percentage of your income, alleviating the burden of regular expenses while you focus on recovery. For medical professionals who often have high earnings and extensive financial commitments, this coverage is particularly important. - read more

Insurance News

Life Insurance Sector to Develop New Mental Health Claims Framework

21 Oct 2025: Paige Estritori

A significant update is on the horizon for mental health claims within the Australian life insurance sector. The Council of Australian Life Insurers (CALI) has announced the creation of a new assessment framework. This move will be developed in collaboration with consumer advocates, medical specialists, and other key stakeholders. The forthcoming plan aims to establish minimum standards for evaluating claims, ensuring that they are based on consistent and evidence-based criteria. - read more

Taxi Driver Wins Case Against Late Reporting Excess on Crash Claim

20 Oct 2025: Paige Estritori

A recent ruling by the Australian Financial Complaints Authority (AFCA) has overturned a $2500 late reporting excess fee applied to a taxi driver's insurance claim. The charge was initially levied after he lodged a claim late following a December 2023 accident for which he was at fault, resulting in minor damage to his vehicle. - read more

Celebrating Excellence: 2025 National Trucking Industry Award Winners

20 Oct 2025: Paige Estritori

The Australian Trucking Association (ATA) has proudly announced the recipients of the 2025 National Trucking Industry Awards, recognising individuals and organisations that have demonstrated exceptional dedication and innovation within the trucking sector. These awards highlight the vital contributions made to the industry and the broader Australian economy. - read more

Addressing the Surge in Collision Risks Among Australian Fleet Operators

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Australia's transport and haulage sector is currently navigating a period marked by an uptick in motor collision claims, posing significant challenges for fleet operators nationwide. This trend underscores the necessity for enhanced risk management and insurance strategies to safeguard operations and maintain profitability. - read more

Inattention and Speed: Primary Factors in Australian Truck Crashes

20 Oct 2025: Paige Estritori

The National Truck Accident Research Centre (NTARC) has released its latest Major Incident Investigation Report, shedding light on the predominant causes of significant truck crashes across Australia. The findings underscore the critical need for targeted interventions to enhance road safety within the transport industry. - read more

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Knowledgebase

Insurance broker:
An agent acting on behalf of the insured (not the insurance company) who negotiates the terms and cover provided by the insurer in the insurance policy.

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