Is Your PI Insurance Ready for Renewal?

Most AHPRA-regulated practitioners are required to declare PI insurance at registration renewal. Get covered in minutes*.
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WHO THIS IS FOR

Built for healthcare practitioners approaching their AHPRA registration renewal deadline.

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Allied Health Practitioners

Physiotherapists, OTs, psychologists, osteopaths and 300+ AHPRA-regulated professions requiring PI for registration.

Medical Practitioners

Renew by 30 September. Solo GPs and private clinic practitioners requiring PI aligned with declared scope of practice.

Nurses & Midwives

Renew by 31 May. PI must be declared as part of the renewal process — upcover's policy is tailored for AHPRA-registered nurses.

Sole Practitioners & Small Clinics

Independent practitioners not covered by a hospital policy — personally responsible for sourcing and maintaining PI.
The Compliance Requirement

PI insurance is mandatory for AHPRA registration — declared at every renewal.

Practitioners must declare valid PI insurance during renewal. Deadlines are fixed — Nurses & Midwives by 31 May, Medical Practitioners by 30 September, and most other health practitioners by 30 November.

Professional Indemnity

Covers claims made against your practice for negligence, errors or misconduct in providing professional services.

e.g. Patient claims advice caused harm — PI covers defence and settlement.

Public Liability

Protects against liability if someone is injured on your premises or while you provide services in Australia.

e.g. Patient trips in your clinic — PL covers medical costs and legal fees.

Investigation Costs

Covers legal costs responding to an official body investigation — including AHPRA complaints and hearings.

e.g. AHPRA complaint lodged — investigation costs cover your response.

Without appropriate PI cover at renewal, practitioners risk:

Registration lapse or non-renewal
Inability to practise legally
Out-of-pocket legal & defence costs
Personal asset exposure (sole practitioners)
RENEWAL READINESS

Renewal deadlines are fixed. Are your insurance documents ready?

Obtaining PI through traditional processes can involve lengthy proposal forms, back-and-forth with underwriters, and waiting days for documentation — stressful when a renewal deadline is approaching.

Without structured insurance support

Long proposal forms and slow underwriting
Unclear whether cover aligns with scope of practice
Documentation delays at renewal
Uncertainty about policy inclusions and exclusions

With upcover

Two-step online quote process — typically minutes
Policy options presented clearly by profession
Structured renewal reminders before deadline
Inclusions and exclusions clearly explained
why upcover

Tailored for AHPRA-registered professionals

Tailored for AHPRA Professions – Policy developed for AHPRA-regulated professionals. Covers 300+ allied health occupations including telehealth and multi-setting practice.

PI up to $10m, PL up to $20m – Market-leading limits with unlimited retroactive date available on selected policies — peace of mind for claims arising from prior practice.

Instant Certificate of Currency – Get your certificate instantly — share with AHPRA, employers or clients in one click.

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HOW IT WORKS

Get covered in minutes — not days.

01
Get a Quote
Enter your occupation and expected income at app.upcover.com. No personal details required to start.
02
Select Your Cover
Choose policy type and limits that match your compliance requirements.
03
Purchase Online
Complete in a few clicks. No paperwork, no broker.
04
Get Your Certificate
Certificate of Currency issued instantly. Share in one click.

Renewal Coming Up? Get Covered Today.

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© 2026 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement.  Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.