Specialist Insurance for Medical Professionals

You protect your patients.
We protect you.

You've invested years building your career and income. Secured Doctor provides life insurance advice designed exclusively around the unique risks, income levels and needs of Australian medical professionals.

Book a Free Consultation Explore Cover Options
Own
Occupation
TPD Definition
Age 70
Max Benefit Period
100%
Independent Advice
Tax
Deductible
IP Premiums
Why It Matters

Standard policies
fall short for doctors.

Your income is your greatest asset — often exceeding $300,000 a year and growing with your specialty. Yet most Australians, including many doctors, are significantly underinsured.

Generic policies don't account for your specialty, your years of training, your practice expenses, or the unique occupational risks you face every day. You need cover that genuinely reflects your life.

Secured Doctor works exclusively with medical professionals to ensure your cover is structured correctly — from the right TPD definition to specialty-specific income protection with a benefit period that lasts to age 70.

Own Occupation TPD is critical

A surgeon who can no longer operate should still receive a TPD payout — even if they could technically work in another role. Only own-occupation definitions protect this.

High incomes are underinsured

A 35-year-old specialist could earn $8M+ before retirement. Your cover needs to reflect your true earning potential, not a default group insurance amount.

Practice owners need more

If you run a private practice, your business expenses continue even when you can't work. Business expense cover is often overlooked but essential.

IP premiums are tax deductible

For doctors in the top tax bracket, the ATO effectively funds nearly half your income protection premium — making it one of the most cost-effective protections available.

What We Cover

Protection built around
your medical career.

Income Protection

If illness or injury stops you working, your income keeps flowing. Cover up to 75% of your pre-disability income, with benefit periods to age 70 and specialty-specific definitions.

Tax Deductible

TPD — Own Occupation

Pays a lump sum if you can no longer practise your specialty due to total and permanent disability. Own-occupation definition means you're covered even if you could work in another field.

Specialty Specific

Life Cover

A lump sum paid to your family or estate if you die or are diagnosed with terminal illness. Structured to clear debts, protect your family's lifestyle and secure their financial future.

Lump Sum Benefit

Trauma Insurance

Pays a lump sum on diagnosis of a serious illness — cancer, heart attack, stroke and more. As a doctor you know better than anyone what a critical diagnosis means for your life and finances.

Critical Illness

Business Expenses

For practice owners, fixed business costs continue even when you're unable to work. Business expense cover keeps your practice afloat while you recover — protecting what you've built.

Practice Owners

Needlestick Cover

A unique risk for medical professionals. Provides a lump sum benefit upon diagnosis of an occupationally acquired blood-borne disease, including HIV, Hepatitis B or Hepatitis C.

Doctor-Specific

18,000+ needlestick injuries reported in Australia every year

This is one of the most significant and most overlooked risks for Australian medical professionals. Standard group insurance policies rarely include needlestick benefit. We make sure yours does.

How It Works

Simple. Expert. Tailored.

We know you're busy. Our process is designed to be straightforward, with minimal demands on your time.

1

Free Consultation

A no-obligation conversation about your specialty, income, existing cover and financial situation. At a time that suits you.

2

Needs Analysis

We review your current cover, model your income trajectory and identify exactly where the gaps are and how to close them.

3

Tailored Recommendation

We compare policies from Australia's leading insurers and present a clear, structured recommendation built around your life.

4

Ongoing Support

Annual reviews to adjust your cover as your career evolves. We handle claims advocacy too — so you're never alone if you need to claim.

What Doctors Say

Trusted by medical
professionals across Australia.

★★★★★

"I'd been putting off reviewing my insurance for years. The team made it genuinely easy — they understood my specialty immediately and the whole process took two meetings."

DR
Dr. R. Matthews
Cardiologist, Sydney
★★★★★

"I had no idea my group insurance through the hospital didn't include own-occupation TPD. That could have been catastrophic. Now I have cover that actually protects my career as a surgeon."

DS
Dr. S. Chen
Orthopaedic Surgeon, Melbourne
★★★★★

"Running a private practice adds a layer of complexity most advisers don't understand. Secured Doctor structured cover for both me personally and the business expenses. Excellent service."

DW
Dr. A. Wilson
GP — Private Practice, Brisbane

Your career deserves
proper protection.

Most doctors are underinsured. A free 30-minute consultation could change that.

Book Your Free Consultation
Get in Touch

Book your free
consultation today.

Talk to a specialist who understands medicine.

Whether you're a registrar just starting out, an established specialist, or a GP running your own practice — we'll tailor our advice to exactly where you are in your career.

No jargon. No pressure. Just clear, honest advice.

02 8021 5805
admin@securedwealth.com.au
202/40 Yeo St, Neutral Bay NSW 2089