Insurance
It is illegal to practice midwifery in Australia without professional indemnity insurance (PII). More:
Most midwives meet this registration requirement by virtue of being employed. If you are an employed midwife, you do not need to purchase insurance for the midwifery care you provide as an employee, as long as your employer holds a vicarious professional indemnity cover.
However, if you are a self-employed midwife (in private practice), whatever the size of your caseload, you need to ensure you have professional indemnity insurance for your practice.
If you practise midwifery without appropriate PII arrangements in place, this is an offence in subsection 129(1) of the National Law and you are liable to action taken by the NMBA. For full information about the PII registration standard, go to the NMBA website.
What insurance products are available to self-employed midwives?
There is one insurance product for privately practising midwives (PPMs). In order to access this product, PPMs must have NMBA Endorsement for scheduled medicines for midwives (previously referred to as eligibility). Once PPMs are endorsed they may access the Midwifery Practice Insurance Scheme (MPIS).
The MPIS is a Commonwealth-subsidised scheme for endorsed midwives and is available from MIGA. The MPIS covers pregnancy and postnatal care in any setting, and labour and birth care in a hospital or birth unit.
Important Note: We are NOT AUTHORISED to advise you on your professional indemnity insurance needs or arrange any insurance for you, nor do we endorse any policy terms. We strongly recommend that you seek advice by contacting MIGA directly.
An exemption for intrapartum care provided at home
The exemption for homebirth has now been extended one final time until 31st December 2026 while the agreed insurance solution is implemented.
If you are an endorsed midwife who provides intrapartum care at home, you will not be insured by MIGA and thus fall under the Exemption legislation until the end of 2025 when the MPIS scheme will be expanded to include intrapartum care at home.
The exemption is not a separate category of registration. Any PPM who meets the requirements set out in section 284 of the 2010 National Law is covered by the exemption.