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Indemnity insurance

Indemnity protection

Indemnity insurance protection is vital. Your institution may tell you that they indemnify you but that is not quite the case. NZNO’s indemnity insurance covers you for up to $1,000,000 per year for defending any accusations or claims against you related to your professional practice.

Frequently asked questions

He mea nui tonu te inihua. Ahakoa ka mea atu tō whakahaere kua inihuahia koe e rātou, he take hōhonu kē tēnei. Mā te inihua a te NZNO ka whai $1,000,000 koe i ia tau hei kaupare atu i ngā heitara ā-ture me ngā kerēme e pā ana ki ō mahi.

Ngā pātai auau


How do I know I have indemnity insurance?

You have indemnity insurance cover in relation to your practice if you are a financial member of NZNO, whether your membership is as a student and/or health care assistant.

What does NZNO indemnity insurance offer me?

  • Legal advice, advocacy, and legal representation (if required) in relation to professional practice;
  • Cover for claims related to professional practice such as Nursing Council and Midwifery Council proceedings, Coroners’ inquests and Health and Disability Commissioner investigations;

Please note: Having indemnity cover does not necessarily guarantee you will have a successful outcome when defending allegations about your practice. The legal team will work with you to help ensure the best possible outcome.

What does the NZNO indemnity insurance cover provide?

  • $500,000 per claim, to a maximum of $1 million per annum;
  • $200,000 criminal defence costs in relation to professional practice;
  • Access to a lawyer for any legal representation or advice required in relation to professional practice;
  • Costs of and incidental to any investigation or relevant hearing, including any fines imposed;
  • Access to a competency review adviser for any competence representation or advice in relation to competency matters.

I am a student nurse or midwife. The polytechnic institute can provide me with indemnity insurance. Why do I need NZNO indemnity cover?

It is the responsibility of students to compare NZNO indemnity insurance cover with that offered by their educational institute. There may also be a conflict of interest between the student and the institution, such as refusing to provide a certificate of character for registration, which would indicate that separate indemnity insurance is wise.

Can I join NZNO for indemnity insurance after an incident occurs?

No, NZNO indemnity insurance does not cover incidents that occurred before you joined NZNO. Cover is provided for any incident that occurs while you are a financial member;

Please note: If you are investigated for an incident after you have ceased being an NZNO member, but the incident occurred while you were a member, you remain indemnified for that incident. In this situation you will need to contact NZNO and ask to speak to a member of the legal team to discuss reinstating membership while you are being represented.

How does the indemnity insurance process work in the event of a claim?

After being advised of your involvement with an investigation or notification ring the NZNO Membership Support Centre (MSC) on the toll free number 0800 28 38 48 and advise them that you need assistance. They will then contact the lawyer for your area who will get in contact with you. The lawyer will advise the insurer.

Do I have to pay anything to activate my indemnity insurance?

No, you do not have to pay anything as your membership fee covers your eligibility for indemnity insurance.

Where can I obtain a copy of the NZNO indemnity insurance policy?

The main points are covered in the NZNO indemnity pamphlet - Professional Indemnity Insurance for all members of NZNO -  (2011 version). Contact NZNO if you require a copy.

I am a student enrolled in a New Zealand nursing or midwifery undergraduate programme. I wish to do an overseas placement as part of this programme. Will NZNO indemnity insurance cover be available?

Students on placements overseas are covered for a period of up to 90 continuous days; USA and Canada are not covered by NZNO indemnity insurance.

I am an overseas student nurse working temporarily in New Zealand. Will NZNO provide indemnity insurance for me?

 

  • You are eligible to become an NZNO member if you are a student in New Zealand undertaking a nursing or midwifery programme prescribed by the Health Practitioners Competence Assurance Act with a view to registration;
  • If you are an NZNO member and an overseas student nurse, you will have indemnity insurance for the duration of your New Zealand study experience;
  • As an overseas student, you will need to be familiar with the Nursing Council of New Zealand policies that affect your practice in New Zealand, and you will need to be familiar with employer policies regarding student nurses.

I am a student nurse, working in the holidays as a health care assistant. Will NZNO provide indemnity insurance for this holiday work if I am a member?

Yes, NZNO will provide indemnity insurance cover for:

  • Your practical work assignments
  • During nursing/health care holiday jobs, and
  • Doing part-time nursing/healthcare work as a student nurse.

Please note: If you are a student but are also working as a health care/nursing assistant you will need to change the category of your membership to receive cover outside your course requirements. You may be eligible for a reduced fee subsidy. Contact the Membership team to find out.

Legal disclaimer

The answers to these frequently asked questions about indemnity insurance do not in themselves constitute legal advice. They are general responses only. If a member has a specific question relating to an individual situation about indemnity, please contact NZNO for legal advice.

Me pēhea au e mōhio mēnā kua whai inihua ahau?

Me he ākonga, he kaimahi hauora rānei koe, mēnā kua utua tō rēhitanga ki te NZNO kua whai inihua koe.

He aha rā ngā hua o te inihua ki a au?

  • Ki te pā atu tētahi raruraru mahi ki a koe, ka whai kōrero āwhina, ka whai kaitautoko, ka whai roia hoki rānei koe;
  • Ka utua ngā kerēme e pā ana ki ngā take mahi kei raro i Te Kaunihera Tapuhi o Aotearoa, kei raro i Te Tatau o te Whare Kahu, i te Kaitirotiro Tūpāpaku, i Te Toihau Hauora, Hauātanga rānei;

Kia maumahara: Ahakoa kua whai inihua koe ehara i te mea ka tutuki ō hiahia e pā ana ki tō take mahi. Ka mahitahi ngā kaimahi ture ki a koe kia ea ai tō kaupapa.

He aha ngā painga o tēnei inihua?

  • E $500,000 ki ia kerēmu tae atu ki te $1 miriona i te tau;
  • E $200,000 hei utu i ngā nama ā-ture e pā ana ki tō take mahi;
  • Ka whai roia, ka whai kaiāwhina ā-ture koe e pā ana ki tō take mahi;
  • Ka utua ngā nama e hāngai ana ki ngā mahi ā-ture hei whakaea i tō take mahi me ngā whaina;
  • Ka whai kaiarotake hei arohaehae i ō pūkenga me he take tautohetohe e pā ana ki ō pūkenga mahi.

He ākonga tonu ahau e whai ana i taku tohu. Kei te kuratini tētahi momo inihua. He aha te take me whai au i te inihua o NZNO?

Mā ngā ākonga anō e āta arohaehae i ngā hua o te inihua a te NZNO me te inihua o tō rātou kura whakangungu. Tērā pea, ka ara mai tētahi take tautohetohe ki waenganui i te kura whakangungu me te ākonga. Hei tauira, ki te kore te kura e pīrangi ki te tuhi pūrongo tautoko mō te rēhitatanga o te ākonga, ko te painga atu mēnā he inihua anō tā taua ākonga.

Ka āhei au ki te tūhono atu ki te NZNO kia riro i a au ngā hua o te inihua, i muri mai i te pānga o tētahi take tautohetohe?

Kāo, e kore e taea e te inihua te āwhina i a koe mō ngā take mahi i pā atu ki a koe i mua i tō hononga mai ki te NZNO. Mēnā kua utua tō rēhitatanga ka whai āwhina koe mō ngā take tautohetohe katoa ka pā atu ki a koe;

Kia mahara mai: Ki te ara mai tētahi take tautohetohe, engari ehara koe i te mema o te NZNO i taua wā, ka whai inihua tonu koe mehemea he mema koe i te wā i hua mai ai te take tautohetohe. Ki te pā tēnei āhuatanga ki a koe, me whakapā atu ki te NZNO ki te kōrero ki tētahi o ngā kaimahi ture kia rēhita anō koe i a rātou e tautoko ana i a koe.

Ki te hiahia au ki te tuku kerēme, he aha rā te tukanga hei whai inihua?

Ka whakamōhio atu tētahi i a koe e tūhuratia ana tētahi take e pā ana ki ō mahi, waeahia te NZNO Membership Support Centre (MSC) ki te tau waea utukore 0800 28 38 48, ā, whakamāramahia atu tō take ki a rātou. Mā rātou e whakapā atu ki tētahi rōia i tō rohe, māna e whakapā atu ki a koe. Mā te rōia anō e whakapā atu ki te whare inihua.

Me utu au kia tīmata mai taku inihua?

Kāo, ka tīmata mai tō inihua mai i te wā ka utua tō rēhitatanga.

Ka whiwhi i ngā kōrero mō te kaupapa o te NZNO inihua ki hea?

Kei te puka whakamārama o Professional Indemnity Insurance for all members of NZNO (putanga o te tau 2011). Whakapā atu ki te NZNO mō tētahi kape.

He ākonga nēhi, he ākonga tapuhi rānei ahau e whai ana i taku tohu paetahi. Kei te pīrangi au ki te whai i tētahi kaupapa mahi ki rāwāhi. Ka whai āwhina tonu au mai i te inihua o NZNO i a au ki rāwāhi?

Ka whai inihua ngā ākonga e noho ana ki rāwāhi; hāunga ngā whenua o Amerika me Kānata. Ka kore te inihua a te NZNO e whai wāhi atu ki reira.

He ākonga ahau nō rāwāhi kua whai mahi taupua au i Aotearoa. E āhei ana au ki te whiwhi inihua mai i te NZNO?

  • E āhei ana koe ki te tūhono mai ki te NZNO mehemea he ākonga koe i Aotearoa e whai ana i tētahi tohu nēhi, i tētahi tohu tapuhi rānei kei raro i te Health Practitioners Competence Assurance Act, ka mutu, ka whai hoki i te rēhitatanga;
  • Mēnā he mema koe o te NZNO, waihoki, he ākonga nēhi koe nō rāwāhi, ka whai inihua koe mō te roanga o ō akoranga ki Aotearoa;
  • Me he ākonga nō rāwāhi koe, me mārama koe ki ngā kaupapa here a Te Kaunihera Tapuhi o Aotearoa e hāngai ana ki ō mahi me ngā whakahaere a tō wāhi mahi e pā ana ki ngā ākonga nēhi.

He ākonga nēhi au e mahi ana i ngā hararei hei kaiāwhina hauora. Me he mema au o te NZNO, ka whiwhi au i te inihua mō aku mahi hararei?

Āe, ka whakawhiwhia koe ki te inihua mahi a te NZNO mō:

  • Ō akoranga hauora i tō mahi
  • Ngā mahi ā-hararei e whai pānga ana ki te mahi nēhi me te mahi hauora
  • Ngā tūranga wāpoto e whai pānga ana ki te mahi nēhi me te mahi hauora i a koe e whai ana i te tohu nēhi.

Kia maumahara: Mehemea he ākonga nēhi koe e mahi ana hei kaimahi hauora, hei kaiāwhina nēhi rānei me rēhita koe kia whiwhi koe ki ngā hua inihua e tika ana. Tērā pea ka heke te utu a tō rēhitatanga. Whakapā atu ki te rōpū Rēhita mō ngā whakamārama.

He whakakape ā-ture

Ehara ēnei whakautu e pā ana ki ngā take inihua i te whakautu whaimana i raro i te ture. He whakautu noa. Me he pātai motuhake a tētahi mema e pā ana ki tētahi take motuhake mō te inihua me whakapā atu ki te NZNO mō tētahi whakautu whaimana i raro i te ture.


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