{"id":"F2008B00062","name":"Medical Indemnity (Prudential Supervision and Product Standards — Terms and Conditions for Run-off Cover) Determination 2004","slug":"medical-indemnity-prudential-supervision-and-product-standards-terms-and-conditions-for-run-off-cove","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":72231,"registerId":"commonwealth-F2008B00062-current","compilationNumber":null,"startDate":"2026-04-02","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Medical Indemnity (Prudential Supervision and Product Standards — Terms and Conditions for Run-off Cover) Determination 2004","content":"![](image.001.png)\n\nMedical Indemnity (Prudential Supervision and Product Standards — Terms and Conditions for Run-off Cover) Determination 2004\n\nI, TONY ABBOTT, Minister for Health and Ageing, make this Determination under paragraph 26A (4) (d) of the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003.\n\nDated 22/12/2004\n\nTONY ABBOTT\n\nMinister for Health and Ageing\n\n1 Name of Determination\n\nThis Determination is the Medical Indemnity (Prudential Supervision and Product Standards — Terms and Conditions for Run-off Cover) Determination 2004.\n\n2 Commencement\n\nThis Determination commences on the date of its notification in the Gazette.\n\n3 Terms and conditions for the provision of run-off cover\n\nFor paragraph 26A (4) (d) of the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003, the terms and conditions for the provision of medical indemnity cover for a practitioner are the terms and conditions:\n\n(a) on which the last medical indemnity cover provided for the practitioner was provided; and\n\n(b) that are relevant to the provision of medical indemnity cover.","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-batch","completionTokens":2170},"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"The instrument exercises the specific delegated power in section 26A(4)(d) to prescribe terms and conditions for run-off cover, maintaining the original narrow scope limited to that purpose."},"complexity_factors":["Only 3 operative sections total","Single cross-reference to enabling legislation (paragraph 26A(4)(d) of the Act)","No definitions, schedules, or interpretation provisions","Straightforward operative provision without exceptions, conditions, or procedural steps"],"plain_english_summary":"This Determination sets the rules for **run-off cover** — a special type of insurance for doctors who have retired or stopped practicing.\n\n**Why run-off cover matters:**\nDoctors can face lawsuits years after treating a patient. When a doctor stops practicing, they no longer hold active insurance, but they still need protection against claims arising from past treatment. This is called *run-off cover* (insurance that \"runs off\" into the future to cover past incidents).\n\n**What this Determination requires:**\nRun-off cover must be provided on the **same terms and conditions** as the doctor's last active medical indemnity policy. This ensures retired doctors receive the same level of protection they had when practicing, preventing insurers from watering down coverage for those no longer paying premiums.\n\n**Who it affects:**\nMedical practitioners who have ceased practice and medical indemnity insurers providing their post-retirement coverage."}},"importantCases":[],"_links":{"self":"/api/acts/medical-indemnity-prudential-supervision-and-product-standards-terms-and-conditions-for-run-off-cove","history":"/api/acts/medical-indemnity-prudential-supervision-and-product-standards-terms-and-conditions-for-run-off-cove/history","analysis":"/api/acts/medical-indemnity-prudential-supervision-and-product-standards-terms-and-conditions-for-run-off-cove/analysis","conflicts":"/api/acts/medical-indemnity-prudential-supervision-and-product-standards-terms-and-conditions-for-run-off-cove/conflicts","importantCases":"/api/acts/medical-indemnity-prudential-supervision-and-product-standards-terms-and-conditions-for-run-off-cove/important-cases","documents":"/api/acts/medical-indemnity-prudential-supervision-and-product-standards-terms-and-conditions-for-run-off-cove/documents"}}