TI Insurance

If you’re a Trainee Intern preparing to start work as a House Officer in 2027, NZMII is here to help make the transition a little easier.

Eligible Trainee Interns who join NZMII in 2026 and take out a NZMII RMO policy for 2027 can claim a complimentary House Officer Thrive Kit, designed to support you as you begin the next stage of your medical career.

Eligibility

If you hold a NZMII Trainee Intern policy at any time during 2026 and take out a NZMII RMO policy for 2027, you'll be eligible to claim your complimentary House Officer Thrive Kit.

Don’t have a TI policy?

NZMII Trainee Intern policies are free. Take out your policy now to access NZMII support while you study and become eligible for a House Officer Thrive Kit when you move into an RMO role in 2027.

Get your free TI policy above.

Terms & Conditions:

Contents of the House Officer Thrive Kit are subject to change and may be amended, substituted, or finalised at NZMII's discretion.

*House Officer Thrive Kits are available in limited quantities and will be allocated on a first come, first served basis.

Registering your interest does not guarantee that you will receive a House Officer Thrive Kit.

To be eligible, you must hold a NZMII Trainee Intern policy at any time during 2026 and have a confirmed NZMII Resident Medical Officer (RMO) policy for 2027.

Thrive Kits will be distributed from March 2027 onwards, once Health New Zealand | Te Whatu Ora confirms your 2027 RMO indemnity policy.

Trainee Intern Indemnity Insurance

Resident Doctors (or RMOs) have long complained that where malpractice issues arise involving RMOs and Senior Doctors, the potential for a serious conflict of interest exists. In addition RMOs have been concerned about malpractice suits and disciplinary proceedings not being defended or being settled at the expense of the individual’s reputation.  Increasingly Trainee Interns are becoming part of the team and therefore, in addition to these factors, there is a need for indemnity insurance cover for Trainee Interns.

NZMII in conjunction with Professional Broker Services and NZRDA have developed a binding Professional Liability Insurance programme specifically for RMOs which ensures independent representation. The programme provides a comprehensive service enabling RMOs to have more control over events affecting their medical careers.  It is this programme that is available to Trainee Interns.

If you’re a TI about to embark on your PGY1 journey please click on the brochure below to find out more:

What are you covered for?

You are covered for medical malpractice and disciplinary proceedings meeting all costs and liabilities as of right up to $2 million. You are also covered where you are undertaking any medical duties or functions including working in “Accident & Emergency Clinics” or providing locum cover.

You are covered for penalties and costs awarded against an individual and legal costs and expenses incurred in the investigation and defense of any action or enquiry brought against you.

You are also covered for actions brought against you when you are no longer an RMO provided these related to medical duties or functions performed by you whilst an RMO.

Costs and out of pocket expenses up to $20,000 which you incur in attending any enquiry, court case or the like brought against you are also included. Further, a payment of $100.00 per day made to cover payment for lost earnings where you are required to attend any enquiry, court case or the like is included.

IMPORTANT NOTE: Reference should be made to the policy wording held by the NZMII. As with any insurance cover, the above statements are subject to the terms, conditions and exclusions of the relevant policy.