Services that help you make sense of complaints, health funds, and other compliance matters.
ADAQ customers can access additional services to assist them with insurance matters
The ADAQ QBE policy will provide indemnity for Your past activities as far back up as the
Retroactive Date shown in your quotation schedule. In most instances this will show Unlimited which means you
are covered for your activities back to when you first commenced practice in your current discipline or one
similar. The issue to be aware of is really focused around any potential claims you are aware of but have not
informed your existing insurer of. It is important to note therefore that if you are aware of circumstances from
past treatments that might reasonably be known to have the potential to give rise to a claim in the future, it
should be notified to your existing insurer prior to any move.
PI insurance protects against a legal claim alleging that you have been negligent in the practise of the profession of
dentistry. It covers the costs and expenses of defending a legal claim, as well as any damages
The Dental Board requires the PI policy to cover all aspects of your practice, all locations where you practice and include appropriate retroactive cover and automatic reinstatement. The ADAQ QBE policy meets these requirements, as standard.
You are personally responsible for meeting the Dental Board’s registration standards relating to PI
insurance. AHPRA undertake random audits to ensure that you have appropriate coverage. If you are practising
without adequate PI insurance, AHPRA can take action against you which may include, for example, suspending your
registration. Having appropriate PI insurance also provides you with personal security, it means that you
are not personally liable to make payment for claims made against you.
There are three main elements to establishing negligence:
You are covered for cosmetic injectables provided as part of a dental procedure but not where the procedure
is solely for cosmetic improvement purposes. An Optional Extension is available to extend indemnity for
injectable procedures purely for cosmetic improvement. If You have not applied for this Optional Extension
at the commencement of your policy, you can request this additional cover at any time subject to certain
Please contact us for further information and premium details
for botox and dermal filler policy extension.
This year the ADAQ QBE Member Professional indemnity insurance policy continues to maintain cover for
implants without the need to pay any additional premium.
The ADAQ QBE Members Professional Indemnity policy will as standard provide unlimited retroactive cover for
ADAQ members. Limited exceptions do apply, so it is important to refer to your policy schedule to check Your
Unlimited run-off cover is available to qualifying members upon application to ADAQ. For qualifying members applying for this cover within
days of ceasing practice, Your policy will be endorsed to provide ongoing indemnity for Your activities
performed up until the date You ceased practice.
It is important to notify ADAQ of the cessation of Your
practice. If you don't advise ADAQ, Your policy will not be endorsed to provide run-off cover which may
expose you to liability arising from claims, you first learn about beyond the date you ceased
The ADAQ QBE PI Policy covers the practise of dentistry in any of the following fields:
The ADAQ QBE PI Policy also provides limited additional cover (at no extra cost) for:
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