Please note: Indemnity Insurance cover period runs from 1st April to 31 March each year so if you join part way through the year the Insurance premium is still due 1st April each year, the Insurance Company do not pro-rata costs.
Q. Do registered Practitioners need to take out the cover?
A. If you are a NHPNZ Practitioner you are automatically covered for any modalities as part of your registration. As long as you have paid your subscription for the current year you do not need to do anything else.
Q. I am a Student . How do I obtain cover?
A. Student Member: you need to be training with a “recognised training establishment” or Affiliate Signatory of NHPNZ. Complete a Student Member Insurance Application form obtained from the NHPNZ Office or your Affiliate Secretary. Return the Application form to the office with your cheque. Confirmation of the cover and a tax invoice will be sent to you.
Q. What business activities am I covered for?
A. The cover is for your practice of natural healthcare and training you may provide to others as part of this practice. If you provide training as a main part of your business or you are involved in selling products (other than as an incidental to your practice) you may need additional cover.
Q. I practice in more than one modality. Am I still covered?
A. As long as you are a current member of an Affiliate Signatory that recognises your modality/ies and have paid the required premium you are covered for all of those modalities
Q. How much cover is provided?
A. . The amount of cover provided under each section of the policy is shown on the specimen Certificate of Insurance. This should be more than adequate for the likely cost of claims in New Zealand although lease agreements or other contractual arrangements may require a higher Public Liability limit.
Q. What if I require a higher Public Liability limit?
A. Unfortunately this cannot be provided by NHPNZ. You will need to discuss this with your own insurance agent or broker or directly with your insurance company.
Q. When does cover start?
A. Cover starts as soon as the NHPNZ Office receives your cheque.
Q. How long does the cover run?
A. The cover runs to 1 April each year which is the renewal date of the NHPNZ insurance programme.
Q. If my cover runs for less than a year is the cost reduced?
A. No. This is because the insurance protects you for all work you have done in the past (provided you are not already aware of a problem) not just for work done after the insurance commences.
Q. Do I have to pay anything towards the cost of a claim?
A. Yes. You have to pay the first $1,000 of any claim or costs incurred which is called the Excess.
Q. Do I get a policy document?
A. No. To reduce administration, which can be a large part of the insurance cost, you will only be given a Certificate of Insurance. A copy of the full policy is available for inspection at the NHPNZ offices.
Q. I sometimes go to overseas to lecture or provide tuition. Am I still covered?
A. The policy provides cover for you for temporary visits overseas anywhere other than the USA and Canada provided any claim is brought against you in the New Zealand or Australian Court. If you travel to North America, go overseas for longer than temporary visits or need cover for claims brought in countries in other than New Zealand and Australia you will need additional cover.
Q. Who is the insurer?
A. The insurance is provided by Lumley General Insurance Company Ltd “Lumley” and is arranged by “TG Larkin and Associates” the insurance adviser to the Natural Health Practitioners of New Zealand Inc. Both the underwriter at Lumley and Marsh Ltd have considerable experience in arranging covers of this type and have access to a panel of specialist legal advisers to assist you with claims.
Q. What do I do in the event of a claim or complaint?
A. It is important that insurers are notified promptly, you do not admit responsibility, and you do not incur any costs without the insurer’s agreement. As a first step you should contact the Natural Health Practitioners of New Zealand Inc. They will assist you with the procedures to follow and the formal notification to insurers