Income Protection Australia :: News
SHARE

Share this news item!

Homebirth indemnity deadline sharpens focus on scope and cover

From 1 January 2027, privately practising midwives will need insurance for homebirth intrapartum care

Homebirth indemnity deadline sharpens focus on scope and cover?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

The end of a long-running homebirth indemnity exemption is becoming an immediate insurance and workforce issue for privately practising midwives, with the Australian College of Midwives on 29 October 2026 urging government action before the exemption ceases on 31 December 2026.
For allied health and broader healthcare practices, the development is a reminder that registration, scope of practice and insurance availability can shift quickly when transitional arrangements expire.

The Nursing and Midwifery Board of Australia has made clear that, from 1 January 2027, privately practising midwives will be required to hold professional indemnity insurance for all aspects of their practice, including intrapartum care during a homebirth. The exemption has applied since 1 July 2010 and has been strictly limited to private intrapartum care in a homebirth setting. Antenatal, postnatal, newborn and other private midwifery services have still required appropriate professional indemnity insurance arrangements.

The policy objective is straightforward: health practitioners should not provide regulated care without adequate civil liability protection. The practical challenge is more complicated. The Australian Government's Midwife Professional Indemnity Scheme was expanded from 1 July 2025 to support eligible claims involving endorsed midwives providing out-of-hospital intrapartum care, including homebirths. However, the Australian College of Midwives says the current settings may leave parts of the private homebirth workforce, including some second attendants, unable to access suitable cover by the deadline.

For midwives, practice owners and multidisciplinary clinics, the key issue is not simply whether a policy exists. It is whether the policy matches the actual work being performed, the practitioner's registration status, the setting, the role at the birth, and any conditions imposed by the insurer. A practitioner assisting as a second health professional may still need to demonstrate that their own role is insured, rather than assuming another practitioner's cover is enough.

Relevant review points include:

  • checking certificates of currency against the practitioner's current and intended scope of practice;
  • confirming whether home, clinic, telehealth, antenatal, intrapartum and postnatal services are all addressed;
  • reviewing contracts, consent material and client communications before any service changes take effect;
  • understanding notification obligations if a practitioner discovers a gap in cover; and
  • considering whether run-off cover is needed if private practice is reduced, paused or discontinued.

The uncertainty also has patient access implications, particularly in rural and regional areas where private midwifery services may rely on a small pool of practitioners. For the wider allied health sector, the lesson is broader than homebirth: when regulation, workforce models and insurance products do not move at the same pace, practitioners need clear documentation and early review rather than last-minute assumptions.

Published:Tuesday, 3rd Nov 2026
Author: Paige Estritori

Please Note: We do not endorse any specific products or companies. Some content is sourced from third parties, including press releases, and may not be independently verified for accuracy or completeness.

Share this news item:

Rate this article

0 Comments

No comments yet. Be the first to share your thoughts.

Insurance News

Credit Card Travel Insurance Cuts Create a New Pre-Trip Check
Credit Card Travel Insurance Cuts Create a New Pre-Trip Check
11 Nov 2026: Paige Estritori
Australian travellers who have long relied on credit card travel insurance now have a fresh reason to check their cover before leaving home, with several major banks reducing, restructuring or removing complimentary travel insurance benefits across selected cards. The changes do not mean every cardholder is uninsured, but they do mean past experience is a poor guide to what applies to the next trip. - read more
New WHS figures sharpen the risk picture for tradies
New WHS figures sharpen the risk picture for tradies
11 Nov 2026: Paige Estritori
Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments. The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements. - read more
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
10 Nov 2026: Paige Estritori
A damaging hailstorm across Victoria’s Mallee has turned a promising harvest into a difficult insurance and cash-flow test for affected grain growers. ABC Rural reported on 6 November 2026 that hail swept through districts including Birchip, Wycheproof and Quambatook, damaging thousands of hectares of wheat, barley, lentils, canola and other crops just as many paddocks were ready to harvest. - read more
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
10 Nov 2026: Paige Estritori
A recent Australian Financial Complaints Authority decision has highlighted a difficult but common issue for strata communities: damage that happens during a storm is not always insured storm damage. The dispute, reported on 5 November 2026, involved an owners corporation claim for a collapsed parapet wall, with the insurer declining cover on the basis that defective design, materials or workmanship were the dominant cause rather than the weather event itself. - read more


Income Protection Articles

Understanding the Tax Benefits of Income Protection Insurance in Australia
Understanding the Tax Benefits of Income Protection Insurance in Australia
When hardship hits and earning a steady income becomes a challenge due to illness or injury, income protection insurance steps in as a crucial lifeline. This insurance acts much like a monetary buffer, providing you with a percentage of your regular income during times when you're unable to work. It's designed to offer peace of mind and stability, not just for you, but also for your dependents who rely on your financial support. - read more
Does Income Protection Insurance Cover Redundancy or Job Loss?
Does Income Protection Insurance Cover Redundancy or Job Loss?
Income protection insurance is generally designed to help replace part of your income if illness or injury leaves you unable to work. It usually does not cover redundancy, ordinary job loss, business downturn or reduced hours for non-medical reasons, although some policies may respond if illness or injury reduces your work capacity. - read more
Top Insurance Policies Every Working Adult Should Consider
Top Insurance Policies Every Working Adult Should Consider
Insurance is an essential component of achieving financial stability. In life, unexpected events such as illnesses or accidents can pose serious financial challenges. Without adequate preparation, these can disrupt your finances significantly, making recovery even more complicated. This is where the crucial role of insurance becomes apparent. - read more
Income Protection Needs Assessment: Are You Prepared for the Unexpected?
Income Protection Needs Assessment: Are You Prepared for the Unexpected?
When life throws unexpected challenges your way, being financially secure becomes a priority. Income protection is a safety net designed to help you manage your finances when you're unable to work due to illness or injury. It provides peace of mind, ensuring that you can maintain your lifestyle and meet your financial obligations, even when your regular income stream is disrupted. - read more

Knowledgebase
Peril:
A specific risk or cause of loss covered by an insurance policy, such as fire, theft, or flood.