Life Insurance and Income Protection for Hospital Doctors
Income Protection for Hospital Doctors and Their Families
Your registration, training steps, how you’re paid and any cover in super all shape how personal cover works for you. We help you review any cover you hold, compare and apply, and revisit cover as your income changes.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set out your role, any specialty and any procedural work accurately on a cover application
- Check how an income protection policy treats salary packaging, overtime and any private practice allowance
- Size life, TPD and trauma cover against any debts and your plans, within the amounts an insurer allows
- Explain how any increase option in a policy works, including its listed events and time limit
- Review any cover you hold at general registration, a registrar post, fellowship or another change of role
- Explain how a TPD policy would judge whether you could return to medicine or move to other work
- Set out what medical indemnity covers and what personal cover is there to do
- Read any cover in each of your super accounts through rotations and interstate moves
- Look at cover with you before any move into private rooms or visiting work
- Prepare and lodge a claim with you, gathering rosters, position descriptions and payslips
Who We Help
- Interns in a first year of provisional registration
- Residents moving between hospitals and terms
- Registrars in accredited or unaccredited posts
- Senior registrars preparing for fellowship exams
- Doctors taking time out for research, study or a post overseas
- Doctors moving interstate for a training post
- Consultants employed by a hospital in a first salaried consultant role
- Hospital consultants with private practice arrangements in their role
- Consultants adding private rooms or visiting work
What we advise on
How Each Cover Works Through Hospital Medicine
Income Protection
During a stretch away from hospital work through illness or injury, what could keep the household running?
Income protection can pay part of your income after a waiting period, helping your household keep its routine.
Together, we’ll compare or review income protection around hospital pay that rises with each year and role.
Income protection can replace part of your income if illness or injury stops you working, after a waiting period and subject to the policy’s definitions. The benefit is usually based on your earnings in the 12 months before the illness or injury, and the policy’s definition of income decides what counts. Any sick leave you’ve built up can be weighed against the waiting period you choose.
What we work through with you on income protection:
- Any insured amount set on intern or resident pay, reviewed against what you earn at each later step
- Any salary packaging benefits, and whether a policy treats the packaged portion of hospital pay as earnings
- Private practice allowances or drawings that some consultant roles include, and how a policy would count them
- Any sick leave you’ve accrued, weighed against a waiting period that could run for weeks or months
- Whether you could still do the important duties of your medical role, where a policy’s disability test asks that
- Interstate and overseas posts, and whether a policy keeps paying if you’re working or living abroad
- A blood-borne infection benefit for health care workers, where a policy includes one, and how it’s defined
- Offsets in a policy, such as any sick pay from your hospital, that can reduce a monthly benefit
Life Insurance
What could support your loved ones through the years ahead if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, helping your loved ones with debts, daily costs and future plans.
We can size life cover with you from any debts, your plans and anyone who relies on your income.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. An insurer may limit the amount it offers by your current income and age, so an amount set on earlier pay is worth looking at again as your income rises. If no beneficiary is named, the payment goes to your estate, or for cover in super, the fund’s trustee decides who receives it.
What we work through for life cover:
- An amount suited to your income today, with a fresh look each time hospital pay steps up
- A mortgage taken on during training, if you have one, and other debts counted into the lump sum
- Default life cover added up across any funds from your intern and resident years
- Any beneficiaries you’ve nominated, limited for super to eligible people or your estate, revisited after a move or a change at home
- A policy you own personally, which a move to another hospital or health service doesn’t end on its own
- Cover for a partner, if you have one, looked at in the same conversation as yours
- An increase option tied to events such as a home loan or a new child, where a policy offers one
- Fellowship or a first consultant contract, if either is ahead, as a point to review the amount
TPD Insurance
Were you never able to work again, what could still pay for the plans you’ve made?
A TPD lump sum, paid as the policy defines it, can go towards debts, care and the goals you’d planned.
Together, we’ll weigh TPD definitions against clinical and procedural work and the other roles a medical degree could suit.
A TPD policy can pay a lump sum when illness or injury leaves you unlikely to work again, under the policy’s own definition. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and which definitions an insurer offers can depend on the occupation.
What we compare with you for TPD:
- Teaching, research and medical administration, and how an any occupation definition could view a medical degree
- An own occupation definition, where an insurer offers one for your role and usually only outside super, weighed against an any occupation definition
- Any procedural skill and fine motor work in your role, described accurately on a TPD application
- Your title and duties as any insurer has them on file, brought up to date after fellowship or another change of role
- The age a fund’s TPD cover stops, set against how long you expect to keep practising
- Life and TPD written together, and how paying one benefit can reduce the other
- A spell of non-practising registration, and whether a TPD definition changes while you’re not working
- TPD from an early hospital fund, and its definition, looked at before you close that account
Trauma Insurance
Should a serious illness mean treatment and time away from clinical work, what could help with the costs?
Trauma cover can pay a lump sum for a listed condition meeting the policy’s definition, helping with costs during treatment.
We’ll read the conditions a trauma policy lists with you, and how each one is defined.
A trauma policy can pay a lump sum when a listed illness or injury meets the policy’s definition and isn’t excluded. Medical definitions can be different between insurers, so the list is worth reading condition by condition. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- Condition wording read alongside your clinical knowledge, with differences between insurers set out plainly
- A smaller payment for an early-stage diagnosis, where a policy offers one, read against its exact criteria
- Any exams or training rotation deferred during treatment, and the costs a lump sum could help with
- Treatment and recovery costs beyond what Medicare pays, set against a trauma amount
- A trauma payment made when a listed condition meets the policy’s definition, whether or not you stop working
- Costs a monthly income benefit wasn’t designed for, such as home changes or travel for treatment
- Trauma held in a fund since before July 2014, which may still apply and is worth reading before any rollover
- A lump sum sized around time away from any training program or consultant post
Cover in Super
Has any cover in your super kept up with your role and pay today?
Checking any cover in super, account by account, can show what to keep and where your cover could better suit your role.
Together, we’ll read any cover in each super account, and set out any changes in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Cover usually doesn’t start automatically for a new member under 25, or with a low balance, unless they ask the fund for it.
What we look at in your super with you:
- Contributions that follow you from one hospital payroll to the next, and any insurance attached to that account
- Units of cover whose value may fall with age, set against a registrar’s or consultant’s salary
- Any income protection a fund provides, read for how long it pays and what it counts as your salary
- Cover in super for an intern under 25, if that applies, which a fund may only start once you ask
- A research year or a post overseas, and which fund holds any cover you have while you’re away
- Your current role as the fund records it, since an older entry may describe intern or resident work
- Rolling several hospital-era accounts into one only once each policy has been compared
- Premiums deducted from a balance that’s still building during training, and how much they take
As Your Income Rises
With each step up in pay through training, how could your cover keep pace with your income?
Looking again at each step can help your cover follow your income and the plans you’re making.
We’ll review the amounts with you at each step and explain how any increase option in a policy works.
Some policies include an increase option that lets you raise cover without new medical evidence after a listed event, within a set time and up to an age limit, and it may not be available if a loading or exclusion for health or pastimes applied at the start. A salary increase event can be limited to employees with no ownership of a business. Without an option, more cover is a new application, assessed on your health at the time.
What we plan with you as your pay steps up:
- General registration after intern year, as a first point to review any cover you took out earlier
- A registrar post or selection into a training program, if either is ahead, and the pay change it brings
- Registration in a specialty after fellowship, if that’s ahead, and how an insurer may then describe your occupation
- A first consultant salary, compared with the income any current cover was based on
- The window after a listed event, since some policies set a time limit for using an increase option
- Conditions that can stop an option applying, such as a loading or exclusion added when the policy began
- Salary increase events that some policies limit to employees, read before you take any ownership share in rooms or a practice
- Each new application, with your current role and income set out accurately when you apply
Indemnity, Registration and Private Practice
What is each of your insurances there to do as your registration and work settings change?
Knowing where indemnity stops and personal cover starts can make each policy easier to plan around.
Together, we’ll set out what medical indemnity covers and where your personal cover begins.
Medical indemnity insurance covers civil liability from a claim about a negligent act, error or omission, including legal costs and any damages, rather than your own living costs. For public hospital work, cover may come through an employer’s indemnity arrangements, while private practice generally needs your own indemnity with retroactive cover. Questions about any indemnity policy go to your indemnity provider.
What we set out with you as your work changes:
- Professional indemnity for civil liability claims, which can cover legal costs and damages rather than your own income
- Employer indemnity arrangements for public hospital work, and what they leave to your own personal cover
- Your own indemnity with retroactive cover for private practice, kept separate from life and income cover
- Non-practising registration, which needs no indemnity, and how a policy describes your work during that time
- Provisional and general registration, then registration in a specialty, each read against how any policy records your occupation
- Income from rooms or visiting work, which an insurer may assess from business records and a share of profits
- No paid sick leave once you’re self-employed in rooms, and a waiting period chosen with that in mind
- Any cover through super, checked before moving from employee to self-employed private work
Making a Claim
If you ever needed to claim, who could work through the forms and follow-up with you?
Support with the forms and the follow-up can leave you more time for your health and the people close to you.
We can prepare and lodge a claim with you, then follow it up with the insurer or fund.
Moneysmart suggests speaking first to whoever you arranged the cover through, such as the fund, the insurer or a financial adviser. An insurer can ask for medical reports, details of your work duties, including physical requirements, and the hours you work each week, along with payslips, or financial statements if you’re self-employed. The insurer assesses the claim. A complaint goes first to the insurer or, for cover in super, the fund, then to AFCA if it isn’t resolved.
How we help with a claim:
- Your registration details and term allocations, so the insurer sees the role you held
- Salary packaging statements and pay advice from your hospital, used to show what you earned before the illness or injury
- What your treating doctors record about any ward, theatre or on-call duties, which the insurer will ask your consent to see
- Rotation and leave records showing which hospital employed you when the illness or injury began
- Dates of any sick leave you took, which help the insurer see when you stopped work
- A return to clinical work on reduced hours, with any partial benefit claimed alongside your new pay
- Monthly benefits that can continue while updates from your treating team reach the insurer
- Requests from the insurer for more information, answered with you as each request arrives
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your role and specialty: Insurers usually ask about your job when you apply. Your role, any specialty and any procedural work are part of describing it accurately, and the insurer decides how it views each of them.
- Your hours: Some policies only cover you if you work a minimum number of hours each week. That’s worth checking before part-time training, a lighter term or a gradual return to clinical work.
- How you’re paid: Income protection is usually based on what you earned in the 12 months before an illness or injury. Whether salary packaging, overtime or any private practice allowance counts depends on how the policy defines income.
- Hands-on and procedural work: Own occupation TPD looks at your usual job, while any occupation looks at work suited to your education, training or experience. Which definitions are offered can depend on the occupation, so procedural work is worth describing in full.
- Each step in training: Any cover set on intern or resident pay can sit well below what you earn later. An insurer may limit amounts by income and age, and an increase option, where a policy has one, may only work after listed events, within a set time.
- Moving hospitals or states: A new hospital doesn’t always mean a new fund. When you start a new job, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund.
- A research year, leave or time overseas: A year on different pay can change the 12 months of earnings that income protection is usually based on.
- Rooms or visiting work: If you take up rooms or visiting work, an insurer may work out your income from business records and your share of the profits. Private practice generally needs your own indemnity, and any cover through super is worth checking first.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Hospital Medicine, Worked Through Together
Your Role and Specialty Set Out
Your role, any specialty or procedural work and your weekly hours described in full on any application.
Pay Read Against the Income Wording
How a policy counts any salary packaging, overtime or private practice allowance, read through with you.
Cover Reviewed at Each Training Step
Any cover looked at again at general registration, a registrar post, fellowship or another change of role.
Increase Options Explained
Any increase option in a policy, with its listed events, time limit and conditions, set out plainly.
Indemnity and Personal Cover Side by Side
What medical indemnity covers, and what income protection, life, TPD and trauma cover are for.
TPD Wording Read for Medical Work
Any occupation wording read against clinical and procedural work, and whether an insurer offers own occupation for your role.
Cover Across Rotations Mapped
Any cover in each super account from your hospital years listed, with what each one provides.
Claim Forms Prepared Together
A claim prepared and lodged with you, then followed up while the insurer or fund assesses it.
Proactive, Holistic, and Experienced Financial Planning
Every conversation starts with listening. We want to understand how your work is set up, how you’re paid and what you’d like your cover to do for you and anyone close to you. From there, we explain each type of cover in plain words, answer questions as they come up and work at a pace that suits you. Our recommendations usually come to you in writing, you read each application before it’s sent, and the decisions are yours.
We work through the paperwork with you. With your consent, we can ask any fund that holds cover for you for its insurance details, prepare what an application needs and follow up with insurers while they assess it. If you’d like a partner or someone close to you in the room, they’re welcome. And if you ever need to claim, we’ll lodge the claim with you and stay in touch with the insurer until it has made its decision.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your medical career, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Hospital medicine can mean pay that rises with each year and role, salary packaging, moves between hospitals, registration steps and, for some doctors, private work later on. That’s why your role, how you’re paid and your registration stage are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
Medical indemnity insurance covers civil liability from a claim about a negligent act, error or omission, including the costs of defending the claim and any damages payable. Registration rules require appropriate indemnity arrangements to practise. For public hospital work, those arrangements may come through your employer, while private practice generally needs your own indemnity with retroactive cover.
Personal cover does a different job. Income protection can pay part of your income after a waiting period if illness or injury stops you working, and life, TPD and trauma cover can each pay a lump sum as the policy defines. Questions about any indemnity policy go to your indemnity provider. We can set out your personal cover with you alongside your indemnity arrangements.
Some policies include an increase option, which lets you raise your cover without new medical evidence after a listed event, such as a salary increase, a home loan or a new child. The option may have to be used within a set time after the event and before an age limit, and it may not be available if a loading or exclusion applied when the policy started. In some policies, a salary increase event applies only to employees with no ownership of the business.
Without an option, more cover is a new application, assessed on your health at the time. We can explain how any option in your policy works, and the insurer decides on any increase.
Moving from registrar to consultant can bring a change in your registration, new duties and a different pay structure, and each is worth reading against any cover you hold. Income protection is usually based on your earnings in the 12 months before an illness or injury, and the policy’s definition of income decides whether any private practice allowance counts. An insurer may also limit life, TPD and trauma amounts by your current income and age.
Any policy or fund record may still describe your registrar role, and any increase option may apply to the change for a set time. We can review your cover with you at this step, and the insurer decides on any change it offers.
Own occupation TPD looks at whether you could work in your usual job, while any occupation looks at any job suited to your education, training or experience. A medical degree can suit teaching, research, administration or advisory roles, so the wording of an any occupation definition is worth reading closely.
Own occupation cover is usually only available outside super, and which definitions an insurer offers can depend on the occupation. TPD held through a fund uses the fund’s own definition, which may differ again. We can compare the definitions with you against your clinical work and any procedural work you do, and the insurer assesses any claim against the policy’s wording.
While you’re away, the fund’s insurance terms decide what happens to any cover it holds, and premiums for that cover keep coming out of your balance.
Income protection is usually based on your earnings in the 12 months before an illness or injury, so a year on a different income can change what a policy would pay. Indemnity while you’re away depends on the registration rules and your indemnity arrangements, so it’s a question for your indemnity provider. We can look at any cover with you before you leave and again when you return.
Private rooms or visiting work can change how your income is shown. For a self-employed doctor, an insurer may work out income from business records and your share of the profits, rather than from payslips. There’s no paid sick leave when you’re self-employed, which is worth weighing when you choose a waiting period. Private practice also generally needs your own indemnity, with retroactive cover.
If you’re moving from employee to self-employed, it’s worth checking whether that affects any insurance through your super. In some policies, a salary increase event applies only to employees with no ownership of a business. We can review your cover with you before you start, or soon after.
Insurance offered to doctors through memberships or partner programs can be a reasonable place to start comparing. Moneysmart notes that if an insurer doesn’t ask for your medical history, it may mean that the policy has more exclusions or narrower policy definitions, so the wording is worth reading closely.
Advice starts from your role, pay, registration stage, any cover in super and your plans, then compares policies from a wide range of insurers. Every application question still needs answering with reasonable care. We can read any offer you’ve received alongside other options with you, so you can see where each one fits.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. At any stage of hospital medicine, we begin with your role, how you’re paid and what you’d like your cover to do.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Any super statements, policy schedules, a recent payslip and your registration and training dates are useful to bring, if you have them, and together we’ll agree on a practical next step.
No medical records are requested at that first conversation.
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