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.
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.
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.
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.
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.
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.
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.
No, you do not have to pay anything as your membership fee covers your eligibility for indemnity insurance.
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.
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.
Yes, NZNO will provide indemnity insurance cover for:
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.
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 he ākonga, he kaimahi hauora rānei koe, mēnā kua utua tō rēhitanga ki te NZNO kua whai inihua koe.
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.
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.
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.
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.
Kāo, ka tīmata mai tō inihua mai i te wā ka utua tō rēhitatanga.
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.
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.
Āe, ka whakawhiwhia koe ki te inihua mahi a te NZNO mō:
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.
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.