Risk Management Program Terms and Conditions

MIGA's Risk Management Program provides:

• Risk management information and education to promote safe practice, and
• The opportunity to earn a discount on your insurance premium by participating in the Program.

Terms and conditions about the Program and the discount are set out below.

1. Definitions
   
   
   1. Program: MIGA's Risk Management Program
   2. Discount: A 10 percent risk management discount on your insurance premium (but not any other charges that may apply such as membership fees, taxes, levies or stamp duty) for the Next Insurance Period
   3. Next Insurance Period: The period of insurance that immediately follows the end of a Program. Insurance periods commence on 1 July each year
   4. REO: MIGA's risk education online platform
   5. Program Activity: Any activity that is made available by MIGA as part of the Program, including any External Activity
   6. External Activity: Any learning activity offered by another organisation which MIGA has approved to count as a Program Activity. A list of such activities will be available on REO.
2. Eligibility to participate in the Program
   

   The Program is available to current MIGA insured:
   

   1. Doctors who hold an insurance policy with an allocated premium amount and their policy does not exclude them from participating in the Program
   2. Eligible midwives.
3. Key dates
   
   
   1. The Program runs from 1 April each year until 31 March the following year
   2. The Discount will apply to the Next Insurance Period
   3. REO may close for a period at the end of each Program to enable updates.
4. Calculation of points
   
   
   1. All activities in the Program attract points if completed in accordance with the instructions for each activity
   2. You must attend and participate as required for at least 60 minutes of a 90 minute live activity, and at least 90 minutes of a two hour live activity to be eligible for points for the activity
   3. Activities may only count towards points if they are started and completed during the same Program
   4. Action plans must be completed in the same Program as the related activity
   5. No points are awarded for only commencing an activity
   6. Each activity can only count towards points once per Program
   7. In order to promote breadth in our risk management education, an activity can be completed in non-consecutive Programs. That means, you can repeat an activity and earn points but you cannot undertake the same activity in two consecutive Programs
   8. Completion of most activities attracts five points
   9. Occasionally, stages of activities may be combined to make a single 10 point activity
   10. You can only receive points for one External Activity per Program
   11. You can only receive points for one Doctor's Health Assessment per Program
   12. Points cannot be brought forward from a previous Program, nor carried over to a future Program.
5. Eligibility for the Discount
   
   
   1. You must earn a minimum of 10 points during a Program in accordance with these terms and conditions to be eligible for the Discount
   2. The number of points needed for the Discount are not pro-rated for part-time workers, or those who are only eligible to participate for part of the Program.
6. Application of the Discount
   
   
   1. The Discount will apply to the Medical Insurance Australia insurance premium charged in the Next Insurance Period
   2. If you change your part-time or full-time status or amend your practice category to a different indemnity level, the discount in relation to the Next Insurance Period will be applied to the new premium
   3. Some members will not be entitled to the Discount in the Next Insurance Period. If you are not entitled to a Discount we will advise you (or your authorised representative/agent) in writing along with the reason(s) why.
7. General
   
   
   1. Program Activities provided by MIGA are free of charge, other than our face-to-face conferences for which a nominal fee applies
   2. General information about the Program is on the MIGA website on the Risk Education page
   3. Access to REO is available on the MIGA website by clicking the Risk Education Online link.

Please contact:

• Risk Services with any queries about the Program via reo@miga.com.au
• Client Services with any queries about your Discount at 1800 777 156.