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.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Knowledgebase

Grace Period:
A time period after the premium is due during which an insurance policy remains in force even if the premium has not yet been paid.

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