Sharps injury insurance for Medical Professionals

Many Medical professionals experience needlestick and sharps injuries and increased exposure to blood borne diseases Many Medical professionals experience needlestick and sharps injuries and increased exposure to blood borne diseases

Caring for the caring professionals

Our medical professionals and emergency workers are on the front line protecting our community but face increased risks just for doing their job.

Bloodborne Disease Insurance can compensate you and your family if you contract HIV, Hepatitis B or Hepatitis C due to an accident while working in your regular occupation

Hospitals, surgeries, clinics and accident sites are often high-pressure, fast-paced environments where sharps injuries to medical professionals occur all too frequently.

  • A needlestick or sharps injury can have a devastating impact on your personal life and your long-term income earning capacity

Many medical professionals are often highly paid and highly leveraged, so they need a comprehensive insurance strategy to safeguard what they have worked hard to achieve.

Accidents do happen

Watch Donald's real-life story below of how a trauma nurse experienced an accidental needle stick injury and how it changed his life.

Do you have your own bloodborne disease insurance in place?

Often the main reason medical professionals don't have the blood bourn disease insurance in place is due to its complexity. It also takes time and expertise to begin to understand how a bloodborne disease (BBD) can have a longer-term damaging effect on both your health and your ability to continue to earn an income.

  • Remember that each professional association and governing body may have additional reporting and special requirements that have to be followed after suffering a sharps injury (or blood spatter event) that can have wide-ranging effects on your career.

Our background is in emergency services so we have a profound understanding of the statistical realities that many medical and emergency professionals face and can help you protect yourself, your family (and even your business partners) from the financial consequences of work-related injuries.

Sapience understands medical and emergency services risks

The solution for busy and remote professionals

We often work with remote and time poor medical professionals so we have a developed a time-flexible face to face, phone to phone or online only solution to enable us to fit into your busy life and we provide absolute confidentiality when needed too.

  • Australian nurses and healthcare workers suffer an estimated 18,000 needlestick injuries a year*
Bloodborne disease insurance cover can provide a lump-sum usually between $50,000 and $1 million for medical professionals (dentists, doctors, nurses and paramedics) and other at-risk occupations (such as police and pathologists) if they suffer a work place exposure to HIV, Hepatitis B or Hepatitis C.

This type of protective strategy can be put in place alongside a typical life insurance policy and can also cover bone dust and blood splatter injuries.

Click here to watch one of our helpful explainer videos about managing this risk from our own speciality brand Unusualrisks.

Managing the emotional risks

Occupationally contracting HIV or Hepatitis B or C can cause emotional significant distress and career consequences that, in turn, can create financial anxieties for you and for those who depend on you.

Such stresses may have a real impact on your ability to keep working in order to provide for your family and/or run your business. Confidentiality concerns may further complicate the issue while professional body memberships and requirements may trigger consequences not previously envisaged.

Managing the financial risks

For medical professionals, a work-related injury could mean a long illness and or particular restrictions on the types of duties you can continue to perform at work. Some specialists can even be prevented from working in their chosen field.

All of these events can have devastating effects on your personal financial situation that could rapidly turn a comfortable financial position into a desperate one.

  • We have a powerful supportive solution for this problem

Would like to know more about how this type of speciality insurance can help you or your colleagues today?

Contact us today here for a confidential chat to see if we can help you with your situation.
Reading recommendation: You might like to read our article New Medical Second Opinion Service available to Sapience clients.

(* CL. Murphy, RN, PhD, CICP, CIC Improved surveillance and mandated the use of sharps with engineering sharp injury protection: A National call to action. [Healthcare Infection 2008].)

Drew Browne

Drew specialises in helping people protect and provide for what matters most in their lives. He's an award-winning writer, speaker, financial adviser and charity ambassador for Opportunity International Australia.  His company Sapience Financial and Investment Services is a Certified B Corp committed to using business solutions for good in the community.  Drew writes for successful Small Business Owners and Entrepreneurs at Smallville, his blogs can be read on and in 2017 Drew was recognised in the Australian Westpac Businesses of Tomorrow national awards.

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