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Global FRCR Teleradiologist - 5 Minutes With James Hill

FRCR Teleradiology GMC Registration Radiologist Role

We speak to Prescript Recruitment’s James Hill about how a global teleradiology position doesn’t mean giving up on NHS experience and why working from home is still so popular post-covid.

You look after opportunities for FRCR Consultant Radiologists. What types of teleradiology positions are currently available?

Radiologists are seeking more career choices and an environment to work comfortably from home post-COVID-19. We specialise in teleradiology positions globally. UK, Ireland, USA, Canada, Israel, Singapore, Australia and New Zealand. We focus predominately on lifestyle roles, featuring a high degree of flexibility with hours and locations.

Our most popular teleradiology positions are full-time and UK & Ireland based, where a radiologist can fit work in around their family commitments and home life. Spreading the hours to suit them enables radiologists to spend time how they see fit. It could mean working in the morning and evening but being available for school drop-offs, pick-ups, or appointments during the day.

Another popular option is to take their UK and Irish experience but move to another country. Radiologists tell us where they want to be, and we will see if we can make it happen. In some countries, we can organise sponsorship; in other countries, radiologists may already have a right to work. Why is this popular? With international travel restrictions lifted, now is the time to be closer to family abroad or experience a different culture. You also don’t lose that tie to UK & Irish health systems.

How has COVID affected teleradiology and what are some of the things radiologists should consider when embarking on a teleradiology role?

Teleradiology is a work model that has boomed since COVID-19. This is mainly influenced by a significant increase in demand from health services and a recognition that working from home is now a widely accepted and a positive for productivity and career satisfaction.

The popularity of teleradiology among radiologists has meant vacancies are very competitive, and applicants should consider being in a position to move quickly on a role they like. I suggest establishing a relationship with a recruitment partner/consultant and letting them guide you through the process.

Other things to consider:

What hours can be offered? Preference is for full-time, spread out over a month.

How strong is the internet connection?

What makes teleradiology so attractive?

Flexibility. As long as there is an excellent internet connection, radiologists can work from anywhere in the world (caveat is subject to visa requirements!). The need for routine and some emergency reporting is 24/7, which means radiologists can choose daylight hours from a country of choice. 

I live in Adelaide, South Australia and have family in the UK, the USA, Central America and South America. I know I am not alone in having a global family with competing demands in a limited time. Wouldn’t it be amazing to work in the UK or the Americas for a while?

That is what makes teleradiology a powerful and exciting option. Radiologists can plan time in one or more locations, have stability with income, spend time with family and keep up the NHS reporting experience.

What about the impact on long-term career goals? Is teleradiology a good choice, and why?

Choosing to work as a full-time FRCR teleradiologist does not mean compromising career goals. Working from home is not working alone. Choose the suitable organisation to work for, and there will be incredible support from Clinical Directors, an operations team, peer reviews and CPD. A strong culture where you feel valued is essential. Whether the location is Inverness or Invercargill; working at home or from a reporting centre, it needs to be there.

Being a teleradiologist will involve reporting general radiology cases across all modalities, plus urgent emergency cases. Talk to us about what is essential, and we can tailor options to suit a skillset e.g.

Maintain NHS experience

Reporting for health services in Ireland. 

Case split of routine (with a skew towards oncology) vs emergency and trauma cases.

How can FRCR radiologists keep informed about teleradiology opportunities?

There are a couple of ways. They can add me on LinkedIn, where we post frequent updates on UK/Ireland and global roles, or we can send them tailored options. I can be contacted directly via phone or email, plus I will be in the UK at different points in 2022 to meet in person. I love helping radiologists make the change into teleradiology. My job is to create something that feels like a radical change into a straightforward & easy process!

Prescript Recruitment

James Hill

Founder / Recruitment Partner

+61 410 792 310 // james@prescript.com.au

https://www.linkedin.com/in/mrjameshill

Schedule Appointment with Prescript Recruitment (as.me) 


About James Hill

I'm James Hill - a medical recruitment specialist. I am passionate about solving the regional doctor shortage in Australia and global recruitment projects, finding doctors for hospitals and practices across both permanent and locum positions.

As the founder of Prescript Recruitment, I have the practical experience of delivering an exceptional recruitment service with the result that communities everywhere have the healthcare they deserve.

My sixteen years of working with healthcare providers have given me a first-hand insight into the issues they face to attract doctors. Prescript has a successful track record of filling critical and niche doctor roles in Australia, New Zealand, Singapore, Canada, USA, UAE, UK and Ireland.

Adelaide is home to the Prescript mascot Bonnie, and that is where you can find me. Borders permitting (we are all familiar with this!) I am often hopping on a plane to visit colleagues in Hobart, Sydney, Melbourne and all the remote corners of NSW.

'Impact' is a crucial motivation for the Prescript team and me - we link the work with finding excellent jobs for doctors to our giving goal for people living in poverty overseas. So every time you work with us, great things happen here in regional Australia + also for your medical career + also for those in need of clean water in Ethiopia.

I'd love to hear from you. There are three ways to contact me:

  1. Call me on 0410 792 310

  2. Email james@prescript.com.au 

  3. Or click 'Connect with Prescript’

 
I believe for you to partner with the right medical recruitment agency, that reflects your wishes and lifestyle choices, is so important. Prescript’s focus is on what matters most to you, whatever stage of your career, your location or your future plans.

Prescript are medical recruitment specialists.

At Prescript we’re known for helping solve the regional doctor shortage in Australia.

Every day we’re focused on two clear outcomes - Helping hospitals find doctors that create departments and clinics that run better, have more capacity and less stress. And placing Doctors in jobs that leave them feeling highly valued, rewarded and, most importantly, enjoying what they do.

We believe that when we get these two crucial things right, it has a huge impact on the regional doctor shortage and the healthcare of communities across Australia.

There are three ways to contact us:

  1. Call 1300 755 498

  2. Email contact@prescript.com.au

  3. Click 'Connect with Prescript'

 

We’d love to hear from you!

We’re known for solving the regional doctor shortage, leaving doctors loving what they do and regional communities feeling like they have the best doctors in town.

My Adelaide Top Ten For RANZCR ASM 2022

The RANZCR ASM 2022 is going to be in Adelaide - I am very excited to share the best of what Adelaide has to offer with you.

Adelaide is my adopted home city, and I love it. I have been here since late 2019 and think it is a wonderful place to live and work.

If you are attending the ASM, stop by our Prescript booth, and I will share some ideas on things to do & see. I will be joined by my colleagues, Nicola Speer and Rebecca Doyle, who have their own Adelaide highlights to tell you about.


To whet your appetite ahead of October, here is my Adelaide top ten:

  1. Art

  2. Sunsets

  3. Food

  4. Wine

  5. Fun

  6. Friendly STREETS

  7. Beaches

  8. Nature

  9. Culture

  10. Wine (it deserves two spots, NO?)


1. Art

Visit the Art Gallery of South Australia (AGSA) on North Terrace (a 15-minute walk from the ASM). It is one of my favourite art galleries in Australia mainly for how intimate the rooms feel and how cleverly they mix modern art with the old.

Art Gallery of South Australia - AGSA

They have some incredible exhibitions, including Yayoi Kusama: THE SPIRITS OF THE PUMPKINS DESCENDED INTO THE HEAVENS (see photos below!)

Want to fit the art into your busy schedule? I thoroughly recommend using a pedicab for a tour of the street art. They will give you a great introduction to the Adelaide CBD and its hidden lanes & alleys.

(Top tip: call and see if they will arrange a pick-up from the ASM) EcoCaddy | Adelaide Street Art Green Adventure Tour

2. Sunsets

Who says you must go all the way to Perth to enjoy a sunset over the water? Head to Henley, Grange or Glenelg to enjoy a walk along the beach and spectacular sunset.

Sunsets in the city are quite the sight, too - the grid road system means you are afforded some uninterrupted views.

Near the ASM is Sol Rooftop - book a spot Sôl Rooftop - All Day Destination | Book Now - SkyCity Adelaide (their restaurant next door is excellent, it faces the opposite direction, but you can see the reflection of the sun setting on the Adelaide Hills).

3. Food

This would be a long blog if I talked about all my favourite restaurants and food experiences! So I am going to keep it snappy.

Home - Adelaide Central Market: The City of Adelaide's premier food destination. Over 70 traders under one roof.

This market is a 10-minute walk from the ASM - go there for your breakfast and lunch or find local produce to stock up your hotel room. There are two cheese stalls next to each other in the middle - ask them for a recommendation, and you won't regret it. The last time I was there, I walked away with prunes soaked in a Barossa port to go with stilton - wow!

If you love food, you will love this market. Stop by Si, Sea for a tapas lunch of local oysters and mussels. Pop to Lucia's for hearty pasta and to browse their delicatessen.

Evening meal? These you will need to book ahead:

Restaurant Botanic - this is an exceptional restaurant (book immediately!)

Press* Food & Wine (pressfoodandwine.com.au) - relaunched menu and new chef, great atmosphere and suitable for a group. Try their booths upstairs.

ORSO (orsokensington.com.au) - just out of the CBD. Excellent food and wine list.

AFRICOLA – DOP & CHOP. SHEBEEN and EATING HOUSE. "The Real Makoya". 4 East Tce. Adelaide. South Australia. - a lively atmosphere and an exciting menu. If there are just two of you, ask to sit at the counter overlooking the kitchen.

Peel St Restaurant - an old favourite. I go back to indulge in the chicken blossom salad - please try it!

ShoSho - on King William Road in Unley just out of the CBD. A fun neighbourhood restaurant with fantastic Japanese food.

4. Wine

As we are covering wine twice, this first section can be about places to have a drink in the CBD, all within walking distance of the ASM.

Wine with views:

Sôl Rooftop - All Day Destination | Book Now - SkyCity Adelaide

2KW Bar & Restaurant - 2KW Bar & Restaurant

Merrymaker Rooftop - Hotel Indigo Adelaide Markets

Wine with atmosphere:

Clever Little Tailor | Quality Liquor Bar Adelaide

Leigh Street Wine Room

East End Cellars

LA BUVETTE DRINKERY

Leigh Street Luggage - Wine and Cocktail bar

Wine to taste:

National Wine Centre of Australia - this is in the botanic gardens. You are given a card and can try wine from every region - you choose a sip, a pour or a full glass. Cheese boards are available, too - this is perfect for a larger group during the day.

Magill Estate Cellar Door | Penfolds | Penfolds Wines - it is a winery in the city! Enjoy sampling their wines and enjoy the view over the city and out to sea!

5. Fun

There are festivals galore in Adelaide - but you can have your own fun here at any time of the year. Why not:

Hike from the edge of the CBD up to Mt Lofty Summit? You will be rewarded with incredible views (Top tip: you can start the other way around, walk downhill and get an Uber back!) Adventure Trail from Waterfall Gully to Mt Lofty Summit | Hike (walkingsa.org.au)

Kayak with dolphins: Home - Dolphin Sanctuary Kayak Tours

Cycle along the River Torrens (or walk from the ASM up to the zoo)

Cruise along the River Torrens! (They have a bar on board) Popeye River Cruises | Explore Adelaide | Buy Tickets Online (thepopeye.com.au)

Visit the pandas Adelaide Zoo - Australian Panda Home

6. Friendly Streets

I do think you will find a warm welcome in Adelaide. Take some time to walk around the CBD, and learn about the history of the buildings. There are some self-guided walking tours you can take Experience Adelaide | Historical Trails

One easy walk (where you can't get lost) is to walk along the length of North Terrace and then loop around Rundle Street & Rundle Mall to get to King William Road, which cuts through the CBD. You will also see the parliament, major museums, libraries, and shopping areas. Plus, you will meet Queen Adelaide face to face at the Adelaide Town Hall | Adelaide Town Hall and see where the Beatles stopped traffic.

7. Beaches

They are long and sandy, and you can walk for miles & miles! The waves are gentle, and some areas are pretty shallow so that you can wade for quite a way.

Glenelg and Henley are the busier spots, but you don’t have to walk too far, either way, to find yourself some peace and quiet. Here are some walks you can do: Self Guided Walks around Adelaide's Beaches (adelaidebeaches.com.au)

8. Nature

Parks surround Adelaide CBD, a buffer to the suburbs. You can explore the new wetlands, take part in tree climbing with ropes, walk through olive groves, visit a Japanese garden Experience Adelaide | Adelaide Himeji Garden, ride horses or play golf.

Experience Adelaide | Adelaide Park Lands

Just a short trip away is the Adelaide Hills. It is excellent for walks and finding villages that blend into their woodland surrounds, such as Stirling (known as a garden village) and Handorf (known for its German heritage).

Stirling - Stirling, Attraction | South Australia

Home - Hahndorf (hahndorfsa.org.au)

9. Culture

Having lived in Sydney for 15 years, the best thing about Adelaide is you can decide to see and do something quite last minute, and it won't be sold out. It will be busy if there is an outdoor event, but you can still get a drink and find a spot to sit. If Sydney felt oversubscribed, Adelaide feels at the 85% mark with capacity (therefore 150% more enjoyable!).

Some cultural options:

Samstag Museum of Art - Connect with UniSA - University of South Australia

Tandanya Home | tandanya

Lunchtime series | Elder Conservatorium of Music | University of Adelaide

What's On - Adelaide Symphony Orchestra (aso.com.au)

Arts & Culture In Adelaide | South Australia

10. More Wine

Plan a day to try some incredible wineries in the Mclaren Vale or the Adelaide Hills. I have only tried a handful, but I am happy to share my favourites so far:

Hugh Hamilton Wines | McLaren Vale, South Australia & Mitolo Wines (you can have lunch at nearby Salopian Inn)

Pike & Joyce - Adelaide Hills Winery & Cellar Door - Lenswood Vineyard – Pike and Joyce Wines (their degustation with matching wines is a fantastic experience)

Shaw And Smith (AUS)

The Lane Vineyard - Home - The Lane Vineyard (book lunch there)

I hope you have a great trip to Adelaide for the RANZCR ASM. Remember to stop by our Prescript booth to say ‘hello’!
— James Hill - Founder Prescript Recruitment

About James Hill

I'm James Hill - a medical recruitment specialist. I am passionate about solving the regional doctor shortage in Australia and finding doctors for hospitals and practices across both permanent and locum positions.

As the founder of Prescript Recruitment, I have the practical experience of delivering an exceptional recruitment service with the result that communities everywhere have the healthcare they deserve.

My sixteen years of working with healthcare providers have given me a first-hand insight into the issues they face to attract doctors. Prescript has a successful track record of filling critical and niche doctor roles in every State and Territory.

Adelaide is home to the Prescript mascot Bonnie, and that is where you can find me. Borders permitting (we are all familiar with this!) I am often hopping on a plane to visit colleagues in Hobart, Sydney, Melbourne and all the remote corners of NSW.

'Impact' is a crucial motivation for the Prescript team and me - we link the work with finding excellent jobs for doctors to our giving goal for people living in poverty overseas. So every time you work with us, great things happen here in regional Australia + also for your medical career + also for those in need of clean water in Ethiopia.

I'd love to hear from you. There are three ways to contact me:

  1. Call me on 0410 792 310

  2. Email james@prescript.com.au 

  3. Or click 'Connect with Prescript’

 
I believe for you to partner with the right medical recruitment agency, that reflects your wishes and lifestyle choices, is so important. Prescript’s focus is on what matters most to you, whatever stage of your career, your location or your future plans.

Prescript are medical recruitment specialists.

At Prescript we’re known for helping solve the regional doctor shortage in Australia.

Every day we’re focused on two clear outcomes - Helping hospitals find doctors that create departments and clinics that run better, have more capacity and less stress. And placing Doctors in jobs that leave them feeling highly valued, rewarded and, most importantly, enjoying what they do.

We believe that when we get these two crucial things right, it has a huge impact on the regional doctor shortage and the healthcare of communities across Australia.

There are three ways to contact us:

  1. Call 1300 755 498

  2. Email contact@prescript.com.au

  3. Click 'Connect with Prescript'

 

We’d love to hear from you!

We’re known for helping solve the regional doctor shortage, leaving doctors loving what they do and regional communities feeling like they have the best doctors in town.

Doctors With Borders

Did you know doctors are not exempt from interstate travel restrictions? Australia had a doctor shortage in regional areas before COVID, but complicated border restrictions exacerbate this.  

Regional and remote areas rely on locum doctors flying from one side of the country to another to provide specialised medical services. These doctors are confirmed far in advance to secure their time – plane tickets, hotels and motels booked, paperwork and background checklists thoroughly ticked off – most importantly, patients are booked in for the locum doctor to see. 

When interstate border restrictions happen, the doctor cannot go or risks quarantining. Due to the shortage of doctors, there is often no one to replace them at the last minute. You then end up in the situation of that regional community going without the healthcare they deserve.

I understood why it is easier to have blanket rules, especially at the pandemic's beginning. Now it is doing more harm than good. It is dangerous to stop doctors from flying. I am calling for a nuanced approach. Now is the time to allow doctors to fly to where they need to be.

Decision-makers talk about 'keeping us safe', but unseen consequences exist. If these consequences remain unseen and unspoken, then who is held accountable?

I feel in a unique position as a doctor recruitment agency owner to see first-hand the lack of joined-up thinking in Australia with border rules. Prescript Recruitment has a helicopter view of what is happening across every State and Territory. We help fill critical vacancies. We see each day how well-meaning rules to protect us are making people sick.


Let me share a typical day for the Prescript team working from home:

ABC News 24 on in the background

Morning team zoom meeting "We're expecting a government press conference at 11"

We regroup at Midday to digest the latest news.

What action do we need to take?

➞ Which locum doctors can't go to where Prescript booked them?

➞ Which locum doctors can't get home from where they are working currently?

➞ What help can we provide in replacing a locum doctor for a hospital?

➞ Can a doctor race across a border right now before the roadblocks are in place?

➞ Due to uncertainty, which doctors have to cancel their future booked locum positions?

The news channel announces another rule change from another state or territory.

We regroup to digest the latest news.

We action 1 to 5 again.

Repeat. Repeat. Repeat.

This isn't about the impact on Prescript, but it paints a picture of the chaos caused by a border closure. Imagine the hundreds of patients having appointments cancelled behind every locum doctor cancellation. You might not even know, as a patient, you have missed out on doctors services. Is the delay you experienced to see a specialist expected or the direct result of a doctor trapped on the wrong side of a border?

In just the last few days, WA putting restrictions on doctors travelling has meant cities (we are not talking remote) have to go without certain specialist coverage. Is the consequence of that quantifiable?

Something that I can see that won't appear on any report is all the missed opportunities. Uncertainty with borders makes doctors hesitant to put their hands up for locum work. There have been so many false starts that it makes sense for a doctor to stick closer to home. Why risk a trip to a remote part of Australia when you might lose that income or lose that chance to help? We can never know all the good that hasn't happened – these are the locum positions that were not cancelled but never even started—missed opportunities for patients and communities.

What is the solution? I believe the federal, state and territory governments can make doctors the exception that proves the rule. Doctors who are double vaccinated, boosted and willing to fly should be allowed to. Time to move away from black & white and find the grey in-between – it is in the grey that we will see better healthcare.

To be clear – there must still be rules. Remember, though, that there are always rules for locum doctors. The paperwork for a locum position in regular times could make your toes curl – credentialing, qualification checks, police reports, references, immunisation history (this bit is nothing to do with COVID vaccine – it's all the other immunisations doctors have to prove). The point is that if you are going to let any section of the community cross borders, you can trust that doctors will be willing and happy to provide whatever assurances are needed.

Let's throw away these blanket rules that are stopping doctors fly. If you want exceptional healthcare from exceptional doctors, l say let's put an exception in place now!


About James Hill

James is a medical recruitment specialist. He is passionate about helping regional hospitals and practices across Australia find doctors for their permanent and locum positions.

As the founder of Prescript Recruitment, he has the practical experience of delivering an exceptional recruitment service for doctors with the result that communities everywhere have the healthcare they deserve.

James has fifteen years of working with healthcare providers, and this has given him a first-hand insight into the issues they face to attract doctors. His successful track record of filling locum and permanent positions in every State and Territory means he knows what strategies work and what don't.

Adelaide is home to the Prescript mascot Bonnie, and that is where you can find James. Borders permitting (we are all familiar with this!) James is often hopping on a plane to visit colleagues in Hobart, Sydney, Melbourne and all the remote corners of NSW.

There are three ways to contact James:

  1. Call James on 0410 792 310

  2. Email james@prescript.com.au 

  3. Click 'Connect with Prescript’

 
I believe for you to partner with the right medical recruitment agency, that reflects your wishes and lifestyle choices, is so important. Prescript’s focus is on what matters most to you, whatever stage of your career, your location or your future plans.
James Hill - Founder Prescript

Prescript are medical recruitment specialists.

At Prescript we’re known for helping solve the regional doctor shortage in Australia.

Every day we’re focused on two clear outcomes - Helping hospitals find doctors that create departments and clinics that run better, have more capacity and less stress. And placing Doctors in jobs that leave them feeling highly valued, rewarded and, most importantly, enjoying what they do.

We believe that when we get these two crucial things right, it has a huge impact on the regional doctor shortage and the healthcare of communities across Australia.

There are three ways to contact us:

  1. Call 1300 755 498

  2. Email contact@prescript.com.au

  3. Click 'Connect with Prescript'

 

We’d love to hear from you!

We’re known for helping solve the regional doctor shortage, leaving doctors loving what they do and regional communities feeling like they have the best doctors in town.

Doctors - How To Take The Headache Out Of Paperwork

PQS Blog.png

Paperwork! For most people, form filling is not high on their enjoyment list. Neither is trying to navigate the various requirements across different States and health services. That’s where we come in.

At Prescript, our aim is to ensure the highest standards with credentialing, customer service and recruitment processes are adhered to. I want to make life easier for the doctors and clients that we work with.

Any doctor who has worked in more than two locations (and that’s most doctors) will agree that it can be such a pain completing various documents, online checks and making sure everything is still valid in the process. I often have conversations with our doctors about these differing requirements, and I know it is a cause for great frustration.

However, there is some credentialing paperwork that is broadly required across most health services. Because of this, we have created our own checklist - Prescript Quality Standards (PQS).

PQS has three main benefits:

Hospitals, clinics and practices can have peace of mind that each Prescript doctor has met a consistent level of background checks.

 Doctors can rely on PQS to help their applications stand out, plus minimise paperwork duplication.

➝   Internally, we use PQS to judge when a doctor is ‘job ready’ - only doctors who have met the Prescript Quality Standards can start in a new position.

Because all of our clients have their own different, yet overlapping, credentialing, we thought it essential that we can rely on our own foundation of standards.

What is part of our PQS checklist?

PQS Prescript Interview Report - with one of our medical recruitment partners

PQS Registered with Prescript as a candidate

PQS Answered disclosure questions

PQS Medical Board Registration checked

PQS Shared a copy of driving licence and passport

PQS Provided proof of qualifications - Primary Degree and Fellowship

PQS CV updated for recent work history

PQS Right to work checked (citizenship and visas)

PQS Google keyword search

PQS Three reference reports (two as a minimum)

What is not part of our PQS checklist?

[These can be location specific and requested by the health service]

 Working with children checks

 Police clearance reports

 Immunisation/vaccination evidence

What Does This Mean For You?

Removing the headache of paperwork is our key driver - doctors can rely on Prescript to keep admin to the minimum, yet at the same time know that we take quality and standards seriously.

If you’d like to work with us, or simply want to join our network, just connect with Prescript by clicking the button below - we’d love to hear from you!

 

About Stef McLaughlin

Stef is Prescript’s Credentialing, Quality & Giving Manager, working with regional hospitals and practices across Australia to ensure that doctors start on time. Stef is responsible for Prescript’s quality management processes and our giving relationship with the Buy1Give1 programme.

There are three ways to contact Stef:

  1. Call Stef on 0416 544 577

  2. Email stef@prescript.com.au

  3. Click 'Connect with Prescript'

 
Paperwork, credentialing and travel logistics can sometimes be such a headache! My role is to ease the pain and guide all our doctors through the process. Hopefully the hospitals, clinics and doctors I work with feel they are well supported by me and the Prescript team

Prescript are medical recruitment specialists.

At Prescript we’re known for helping solve the regional doctor shortage in Australia.

Every day we’re focused on two clear outcomes - Helping hospitals find doctors that create departments and clinics that run better, have more capacity and less stress. And placing Doctors in jobs that leave them feeling highly valued, rewarded and, most importantly, enjoying what they do.

We believe that when we get these two crucial things right, it has a huge impact on the regional doctor shortage and the healthcare of communities across Australia.

There are three ways to contact us:

  1. Call 1800 755 498

  2. Email contact@prescript.com.au

  3. Click 'Connect with Prescript'

 

We’d love to hear from you!

We’re known for helping solve the regional doctor shortage, leaving doctors loving what they do and regional communities feeling like they have the best doctors in town.

Locum Doctors - Questions To Ask An Insurance Broker

Alex Conlon - AMC Insurance.png

Alex Conlon is a qualified insurance advisor and director of AMC Insurance. He has been recognised by the Suncorp Group as one of the industry’s next generation of leaders. In this blog, Alex answers some common business insurance queries from doctors.

Questions to ask a broker about insurance cover for your business?

The best way that you can assist a broker is to provide as much information as is reasonably possible to them about your business and its structure. Some brokers will need proposal forms completed for certain types of products. Although not many people like forms, it provides them with an opportunity to appropriately pitch your business exposure to various insurers. This can assist with obtaining the right levels of cover to protect your business, as well as having the most appropriate premium charged by the insurance company. Being prepared with the relevant information about your business (or a business plan for a start-up venture) will make this process run more smoothly.

You may wish to ask your broker whether there are any specific levels of cover that you require to hold. This can be a difficult question to answer for a broker, but if they have an understanding of your contractual obligations to your clients as well as any mandatory limits which might apply to certain types of products it helps. If in doubt, a broker can provide options on varying limits which can assist to determine whether a higher level of cover can be secure at a negligible difference in cost.

An often missed question by clients is whether your insurance intermediary is acting as a broker or an agent. An insurance broker is acting on behalf of the client (you). Whilst an insurance agent will most likely be operating on behalf of the insurance company. An agent of the insurer is obligated to inform you of when they are acting in such a capacity, but it is generally detailed within their Financial Services Guide. The benefit of having a broker acting on your behalf becomes especially important when handling grey area claims. A broker will be able to negotiate on your behalf with an insurance company, where an insurance agent is required to adhere to the decisions made by the insurance company.

You can also consider asking your broker what your ongoing insurance obligations are if you decide to wind up or sell your business. Most classes of insurance can simply be cancelled from the last required date of cover; however, some policies (referred to as 'claims made and notified') may require an additional cover to be purchased to continue to protect your business once you have ceased to trade.

Finding out what level of experience your broker has in their industry segment is also a good idea. Many insurance brokers in the market are worth their weight in gold; however, they might also be focused on representing a broad level of clients in terms of industry classes (e.g. doctors, dentists, labourers, trades, professionals, industrial and commercial). If you find a broker who specialises in your specific industry segment this can be of great benefit in terms of streamlining the information being requested and knowing that the right insurers are going to be approached to secure the most appropriate insurance cover at good value for money. 

If You’re A Locum Doctor – What business insurance do you need?

As a Locum Doctor your risk exposure is similar to that of operating at a surgery, albeit in a mobile capacity.

You have Medical Indemnity Insurance, which protects against the advice that you are providing in connection to your services.  For the medical industry, this type of product is available through a limited number of insurers (e.g. MIGA, AVANT).

Then there is Public & Products Liability cover which at times can be packaged with your Professional Indemnity. This is covering the exposure of slips, trips, falls, or other forms of personal injury and/or property damage arising from the supply of your services.

As most Locum Doctors will not have a fixed office location, they need to take into consideration what Portable & Valuable Equipment is being carried around to various locations and may be exposed to accidental damage, theft, or other risks. The types of equipment might be mobile phones, laptops, tablets (e.g. iPad), doctor's bag and equipment.

If you operate your business between different States and Territories, you may wish to consider obtaining quotes for Business Travel Insurance too.

Depending on how your business is established, you may require to establish:

➞  Workers Compensation to cover the exposure of yourself as a working director/employee for personal injury.

➞  Income Protection/Life Insurance cover in effect, which is offered by specialist brokers in the market (or via your Accountant).

➞  Management Liability Insurance to protect against operating in the capacity of a Director/Officer and the various legal frameworks associated with your industry segment.

How Do You Know If You Have the Right Business Insurance?

This is a difficult question to answer and would be no different to going to a doctor and asking yourself, "how do I know if I have received the right advice on my ailment or condition?". The tone, pace, professionalism, and knowledge of your broker is a key factor in determining whether they understand the risk profile of your business, and even if they don't at the outset, are displaying competence in investigating appropriate protections through the right insurers.

When you do raise questions on your insurance, is your broker responding with confidence and a high level of experience in having assisted other businesses in a similar capacity in the past, or are you speaking with someone who needs to cross-reference to a more senior staff member that you never get to speak with directly?

A final option is to benchmark your current insurer/broker from time to time. It might be that your level of coverage is correct and suitable for your needs, but investigating alternative options results in finding a broker/agent who is more suited to your style of business too. They may have high levels of service standards and go out of their way to provide advice for your business, which in this day and age is a critical factor to consider.  


About Alex Conlon

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AMC Insurance is led by Alex Conlon, a qualified insurance advisor who has been recognised by the Suncorp Group as one of the industry’s next generation of leaders. Alex is focused on guiding the business community to redefine how to think about the value of insurance.

AMC Insurance forms part of the AUB Group who ‘represents more than 1 million client policies and 135 partner businesses across more than 425 locations in Australasia. Combined, AUB Group have over 3,500 client-serving employees, and cover over $4.5 Billion in policy premium.’

You can find out more about AMC here on their website or email Alex here: alexc@abterrace.com.au


Prescript are medical recruitment specialists.

At Prescript we’re known for helping solve the regional doctor shortage in Australia.

Every day we’re focused on two clear outcomes - Helping hospitals find doctors that create departments and clinics that run better, have more capacity and less stress. And placing Doctors in jobs that leave them feeling highly valued, rewarded and, most importantly, enjoying what they do.

We believe that when we get these two crucial things right, it has a huge impact on the regional doctor shortage and the healthcare of communities across Australia.

There are three ways to contact us:

  1. Call 1800 755 498

  2. Email contact@prescript.com.au

  3. Click 'Connect with Prescript'

 

We’d love to hear from you!

We’re known for helping solve the regional doctor shortage, leaving doctors loving what they do and regional communities feeling like they have the best doctors in town.

Meet Dr Nathan Illman - Clinical Psychologist, Coach & Trainer For Doctors

Hi - my name is Dr Nathan Illman, and I am a coach who works with doctors to help them build a better life and to achieve career success, whatever that means for you. I'm really excited to be partnering with Prescript, providing some content specifically for doctors. I'm going to be providing some written articles and some audio content like my podcast, and maybe some videos.

It’s a real pleasure to be working with the Prescript team to be giving you this kind of information that I hope you’ll find helpful.

EFFECTIVE SELF-CARE ROUTINE

There are a number of different areas that I work on with clients and it'll be covered in the kind of content that I provide. This involves things like taking care of ourselves, so how to implement and maintain an effective self-care routine when things are just getting too stressful with your role - I know Prescript works with lots of locum doctors who may be placed out in rural areas where things can be quite unsettling. Sometimes organisations can be quite tricky and difficult to work in, creating quite challenging environments, so giving you ways to help manage the uncertainty, instability, and really keeping those healthy habits, maintain and learn some psychological skills and tools to manage the difficulties that you experience.

IMPROVING AND BUILDING CONFIDENCE

I also work with people on improving and building their confidence. Of course, this ranges from a number of things. This can be bouncing back after failing exams and thinking about how to overcome that self-doubt that's emerged from that. Or it could be working on overcoming when you've made mistakes, perhaps, in your medical career, or you've lost confidence in that area and that's really holding you back from being the kind of doctor that you want to be and being as effective as you want to be.

LEADERSHIP SKILLS

And the other areas: Thinking about leadership development, leadership skills and the bigger picture. For example, what do you want your career to look like? What are the steps that you need to take to get there? And what are the specific behaviours that you need to work on in helping you develop those in the context of that coaching relationship?

BENEFITS OF COACHING

Coaching is in a one-to-one context where we have these kinds of conversations, you learn some new skills, tools and techniques to help you progress with your goals. It's completely confidential, so nothing is shared with your organisation or any other doctor colleagues. I know that can be a concern for some people.

Coaching is perhaps quite a new thing for some people. Sometimes people are a little bit unsure about it, whether or not it's necessary to have a coach. It's funny because, in the elite sporting world, it's very accepted that people will have a coach to guide them and provide a different perspective to help them achieve real, massive success. And it's very, very similar in the context of a coaching relationship with the kind of clients that I work with.

I've trained and studied human behaviour and understanding the psychology of people, and I offer a different perspective with clients and help them learn some new ways of taking care of themselves, improving that confidence and really helping people to make massive change and massive impact in their careers as a doctor.

FREE INTRODUCTORY SESSION

If you're interested to find out more about this, then I offer free taster sessions. I know that it's something that sometimes people are not too sure about, so I really like to give people the opportunity to have a chat with me just to test it out and see what that's like.

I hope you enjoy the content that I provide – I hope it’s useful to you. If you're ever interested to find out a bit more about what coaching looks like, then please feel free to get in touch with me. We can just have a chat and see what your current situation is and how I might be able to help you.


About Dr Nathan Illman

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Dr Nathan Illman (PhD, DClinPsy) completed his Doctorate in Clinical Psychology from King’s College London in 2015. After working clinically in multidisciplinary settings, he observed the lack of support for healthcare colleagues. As a result, he pivoted to set up his own practice providing coaching and training to doctors and nurses. His mission is to help people perform at their peak in healthcare and flourish in life. To book in a free call to discuss his Coaching for Doctors program further, simply go here. You can also find out more at his website at www.nathanillman.com.


Prescript are medical recruitment specialists.

At Prescript we’re known for helping solve the regional doctor shortage in Australia.

Every day we’re focused on two clear outcomes - Helping hospitals find doctors that create departments and clinics that run better, have more capacity and less stress. And placing Doctors in jobs that leave them feeling highly valued, rewarded and, most importantly, enjoying what they do.

We believe that when we get these two crucial things right, it has a huge impact on the regional doctor shortage and the healthcare of communities across Australia.

There are three ways to contact us:

  1. Call 1800 755 498

  2. Email contact@prescript.com.au

  3. Click 'Connect with Prescript'

 

We’d love to hear from you!

We’re known for helping solve the regional doctor shortage, leaving doctors loving what they do and regional communities feeling like they have the best doctors in town.

Different Business Structures Available for Locum Doctors

Hi there! My name is Ben Walker, and I'm the founder of an accounting firm called Inspire - Life Changing Accountants

James Hill from Prescript Recruitment has asked me to share a little bit of knowledge around the different types of structures that, as a doctor, you might use to contract to a hospital or a surgery or a practice, and a little bit on the pros and cons of each one. 

As a doctor, there is a choice (or any business in Australia really) of which business structures you can use and there are all sorts of things to consider when you're making a decision.

There are things around tax implications for each structure, risk and insurance perspective (which is actually quite a big one), and even asset protection as you build your family's wealth.

We don't want the risk of running your business (or contracting) to expose your family home as an example - so there are lots to consider.

The three most popular and main business structure options are:

  1. Sole Trader -  you've got an ABN in your own name and that's trading as yourself. 

  2. Trading as a company -  which is the next most common one. A company is a separate legal entity that you do set up and you run it through a company. You can call it (within reason) whatever you'd like to, but that's yours and you contract to other people through that.

  3. The third option is a Trust - there are pros and cons for that, but the main benefit usually for that is to stream income with other family members that the business owner earns. But I will come back on that because as a doctor, that's a little bit tricky to do, and I'll share why. 

Sole Trader vs Company

So let's look at sole trader versus a company. 

The big one here is actually all around risk, the insurance side of things and asset protection. So as a sole trader, you're literally contracting to your customer (or your practice or your hospital) in your own name. So if something goes wrong and you have a dispute, they're going to be suing you personally, and any assets that you own are up for grabs in the event of an outcome that doesn't go in your favour. 

But let's say you've got a company as an example. 

A company is seen as a separate legal entity, so the contract is actually between the company and your customer. If a dispute arises there, in the first instance, they will actually be suing your company and you've got some form of protection there. It doesn't always 100% protect you, but it's definitely not suing you personally in the first instance, which is good. 

Also as a hospital or a practice owner, what they're often looking for in terms of their locums or their doctors that work for them on a contract basis (so not an employee, but on a contract basis) is they want to reduce their risk as much as possible. There are a few risks they might consider, but the key ones in terms of business structures are; what business structure is that doctor using? 

I know it might sound strange, but if you're in a company structure, it could be seen to reduce the risk for the business because that reduces the view that they might need to be paying super on top of your wage. Or if you've set up a company, you might actually be contracting to multiple hospitals or surgeries or practices (depending on what you're doing) and the risk is that you're less likely to be seen as an employee of your customer, which as an employee, you carry a lot more risk to them versus a contractor. 

So what they're trying to reduce in most cases is their risk of being up for super, all the rights as an employee, and that sort of thing. So it's to genuinely see the contract relationship as their company and your company - not as two people contracting or being employed. So that's the big one there. 

Personal Services Income

In terms of the tax side of things - there's not a huge difference from a tax perspective being a sole trader versus a company. The reason that that's the case is because as a doctor, you're getting paid for your personal exertion. The way that the tax law is written, is if you're personally exerting to earn your income (regardless of your business structure) pretty much all of that income needs to end up in your name. This is a bit of an unfortunate thing for doctors where you might be on a very large income level, and unfortunately (depending on your circumstances) in some cases when you're contracting or locuming, we can't go and then split that income with your spouse or your kids.

I mentioned earlier, a trust is a great way of splitting income, but these are the rules with doctors: With personal exertion, we can't go and then say, "Oh, well, the trust earned $200,000, I'm going to split $100,000 with my spouse and $100,000 with me." We can't do that because of that personal exertion rule, so we get a bit stuck there. 

But tax is not a huge factor when you're considering your structure (If you are caught under those personal exertion rules) it does come down to the risk. 

What’s most attractive to your customer?

The other benefit, as well, of incorporating or becoming a company for your contracting, is that you will be more attractive to people looking to bring you on board. No doubt that that will be the case, because they'll see you as a lower risk if you've got all that set up and you're familiar with running your own company - it's a very simple process of almost just providing an invoice, really. So that's a big benefit. When you're looking at getting your next role, if you're as attractive as possible to that potential contractor, then that'll go in your favour versus if you are a sole trader. 

At the end of the day, it is your option, but again, a strong recommendation for a Pty Ltd company. The other thing to keep in mind is to make sure you have a really good insurance advisor to have a look at your public liability insurance, your professional indemnity, and make sure it incorporates your company. 

However you're set-up, whether it's a sole trader, company, or trust - make sure you've got an advisor who really understands their stuff around that, because that is paramount to have sorted, as well. 

So there's a view on the different structures you could have as a doctor, and that's more in that contractor relationship - not an employee.  I hope this has helped!


About Ben Walker

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Author, Award-Winning Chartered Accountant & Founder of Inspire - Life Changing Accountants.

★ Started Inspire at 23

★ Award-Winning Chartered Accountant

★ Co-Authored 'Cashed Up'

★ Helped save clients over $10M in tax (and counting)

★ Given 10M days of impact to families in need


Prescript are medical recruitment specialists.

At Prescript we’re known for helping solve the regional doctor shortage in Australia.

Every day we’re focused on two clear outcomes - Helping hospitals find doctors that create departments and clinics that run better, have more capacity and less stress. And placing Doctors in jobs that leave them feeling highly valued, rewarded and, most importantly, enjoying what they do.

We believe that when we get these two crucial things right, it has a huge impact on the regional doctor shortage and the healthcare of communities across Australia.

There are three ways to contact us:

  1. Call 1800 755 498

  2. Email contact@prescript.com.au

  3. Click 'Connect with Prescript'

 

We’d love to hear from you!

We’re known for helping solve the regional doctor shortage, leaving doctors loving what they do and regional communities feeling like they have the best doctors in town.