Tego

What Tego does

Tego Insurance Pty Ltd is an Australian underwriting agency specialising in medical indemnity and malpractice insurance for the healthcare profession. The company is incorporated in New South Wales, holds Australian Financial Services Licence (AFSL 482467), and operates from Sydney. Tego serves more than 30,000 doctors and healthcare providers across 60+ medical specialties and all AHPRA practitioner categories, with coverage spanning civil liability claims, defence costs, AHPRA investigations, coronial inquests, Medicare billing audits, defamation and vicarious liability for employed staff.

The company's core product suite comprises individual Medical Indemnity Insurance for Doctors (including specialists, GPs, doctors in training, locums and VMOs), Medical Malpractice insurance for healthcare entities (private hospitals, day surgeries, general practice, dental practices, specialist suites, radiology, pharmacies and allied health services), and adjacent insurance lines for aged care facilities, NDIS disability providers, and faith, education and childcare organisations. Underlying the offering is an online quote-and-policy-management platform supported by a 24/7 in-house medico-legal advisory service and a structured claims and notifications function. Coverage is placed through Lloyd's syndicates, providing the company's capital and reinsurance backbone.

Tego distributes via direct online quote requests and an insurance broker channel with a dedicated broker information hub, and invests in risk-education content marketing (a learning hub covering S8 prescribing, Medicare audits, privacy breaches and coronial requests). Revenue is generated through annual recurring insurance premiums priced per individual practitioner or healthcare entity on the basis of specialty, procedures, billing levels, claims history and practice setting. Eric Lowenstein is identified as Chief Executive Officer. Ownership is private with no parent company, holding entity or institutional investor signals disclosed; the company is reported to have 11-50 employees.

Name

Tego

Legal name

Tego Insurance Pty Ltd

Website

https://tego.com.au

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Tego Insurance Pty Ltd is an Australian underwriting agency that provides medical indemnity and malpractice insurance to 30,000+ doctors and healthcare organisations, placing coverage through Lloyd's underwriters and delivering specialty-specific policies with 24/7 medico-legal support.

Ownership category

akta.pro rank

Product category

Medical Indemnity Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Medical Malpractice Liability (FSAJADAK)

akta.pro secondary industry

Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Medical indemnity insurance
• Medical malpractice insurance
• Professional liability insurance
• Medico-legal advisory
• Healthcare insurance underwriting

Headquarters

HQ city

Surry Hills

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Medical Indemnity Insurance Premiums: Recurring annual insurance premiums charged to medical practitioners, healthcare entities, and care organizations based on specialty, billing levels, claims history, and scope of practice.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Tego provides medical indemnity and medical malpractice insurance to individual medical practitioners and healthcare organizations across Australia. Coverage spans civil liability claims, defence costs, AHPRA investigations, coronial inquests, and public/professional liability, with policies priced per specialty, procedures, billing levels, and claims history. Insurance is underwritten through Lloyd's syndicates, and the offering is supplemented by a 24/7 medico-legal advisory service, claims management, and broker distribution support.

Product overview

Tego offers a portfolio of medical indemnity and malpractice insurance products designed for healthcare professionals and organisations in Australia. The core offerings include Medical Indemnity Insurance for Doctors (covering 60+ specialties) and Medical Malpractice Insurance for Hospitals, Clinics and Healthcare Entities. These are supplemented by specialised insurance for Aged Care, Community and Disability Care providers, and Faith, Education and Childcare organisations. The product suite is supported by 24/7 Medico-Legal Support services, Claims & Notifications management, and Risk Education resources. Tego operates as an insurance broker/underwriting agency placing business with Lloyd's syndicates, serving individual practitioners through to large healthcare organisations.

Differentiator

Problem solved

Functional benefit

Products and services

• Medical Indemnity Insurance for Doctors Medical indemnity insurance for doctors in private and mixed practice across Australia, covering 60+ medical specialties and all AHPRA medical practitioner categories. Provides legal defence costs, compensation payments, AHPRA investigation support, coronial inquest representation, and civil liability protection. Includes automatic reinstatement of indemnity limits and cover for past practice with continuous cover.
• Medical Malpractice Insurance for Hospitals, Clinics and Healthcare Entities Comprehensive medical malpractice, professional indemnity, and public liability insurance for private hospitals, day surgeries, medical centres, specialist clinics, dental practices, pharmacies, pathology and imaging centres, radiology, allied health services, and other healthcare and community organizations. Coverage includes vicarious liability for employed staff.
• Aged, Community, and Disability Care Insurance Insurance packages for residential aged care facilities, NDIS-registered disability support providers, and community health organisations. Covers professional indemnity, public liability, and medical malpractice to safeguard organisations and their operations.
• Faith, Education and Childcare Insurance Liability insurance coverage for religious institutions, educational institutions, and childcare organisations, providing protection for organisations operating in these sectors against liability claims.
• 24/7 Medico-Legal Support Service Round-the-clock expert medico-legal advice and support for doctors and healthcare professionals, providing guidance on AHPRA notifications, patient complaints, adverse events, documentation issues, subpoenas, regulatory investigations, and civil claims.

Quantifiable outcome

• 30,000+ doctors and healthcare providers insured

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Insurance BrokerscoreChannel Partner/ Reseller/ DistributorTego partners with insurance brokers to deliver competitive and comprehensive indemnity solutions for healthcare professionals and organisations. The company provides broker resources and support through an information hub.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Others

• Lockton Australia: Lockton is a global insurance broker with a strong healthcare practice and provider of brokerage and risk advisory services for medical and healthcare clients in Australia. An indirect comparator/ecosystem participant to Tego's broker-channel GTM.
• NPS Group (insurance broker): NPS Group is an Australian-owned insurance brokerage placing specialty commercial, professional indemnity, and healthcare liability coverage. Comparable as an insurance distribution channel that places medical and entity liability coverage competing for healthcare broker mind-share with Tego.

Broad incumbents

• Hiscox: Hiscox is a global specialty insurer with active medical malpractice and healthcare professional liability lines in Australia and other markets. Comparable to Tego through its appetite for specialty medical and healthcare entity coverage.
• Beazley: Beazley is a specialist insurer with a significant medical malpractice and healthcare liability practice serving hospitals and clinicians globally. Comparable to Tego in healthcare liability underwriting, though it operates a wider specialty insurance portfolio.
• Chubb Insurance Australia: Chubb is a global property & casualty insurer with established medical malpractice and professional liability lines in Australia. Overlaps with Tego in hospital/clinic and individual healthcare professional coverage, though Chubb's portfolio is far broader.
• Berkshire Hathaway Specialty Insurance: BHSI is a global specialty insurer with a substantial medical professional liability practice serving hospitals, healthcare systems, and individual practitioners. Comparable to Tego in providing healthcare professional liability coverage at scale, though it operates a much broader specialty portfolio.

Direct peers

• MDA National: MDA National is an Australian medical defense organization historically serving doctors with medical indemnity and medico-legal support. Closely comparable to Tego in product scope (individual practitioner coverage, medico-legal advice, claims management) and customer base.
• Avant Mutual Group: Avant is Australia's largest medical defense organization, providing medical indemnity to doctors and healthcare professionals. Directly competes with Tego in medical practitioner malpractice and medico-legal support across Australia, with deep brand recognition and member-loyalty advantages.
• MIGA (Medical Insurance Group of Australia): MIGA is a specialist Australian medical indemnity insurer providing occurrence-based and claims-made cover to doctors, dentists, and healthcare entities. Operates in the same regulatory environment as Tego with overlapping medical malpractice and entity coverage offerings.

Regional players

• Medical Protection Society (MPS): MPS is a UK-headquartered international medical defense organization with members in Australia and other regions. Comparable to Tego in providing discretionary indemnity, medico-legal support, and professional protection to clinicians, though not domiciled in Australia.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/TegoInsurance
• Facebookfacebook.com/tegoinsurance
• LinkedInlinkedin.com/company/tegoinsurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tego