NZOHA Member Insurance FAQs 2026
Who is BMS Risk Solutions (NZ) (BMS)?
BMS is the official and exclusive broker for the NZOHA Member Insurance Program. BMS is part of the wider BMS group which is dedicated to providing cover and value-added services to associations and their members.
The BMS group provides cover to healthcare and regulated professionals through associations across Australia, Canada, Europe and New Zealand. This experience gives BMS a unique insight and ability to create and deliver significantly enhanced and continuously evolving member centric insurance programs. This includes ensuring broad, market-leading coverage, evidence-based risk management and exceptional member service. To find out more visit their website.
If you have any questions about the NZOHA Member Insurance Program, contact BMS at 0800 999 267 or nzoha@bmsgroup.com.
Why have NZOHA chosen BMS as their insurance partner?
Ensuring NZOHA members have access to comprehensive cover, additional, evidence-based risk management material and exceptional service for insurance queries and claims is paramount. BMS is a specialist broker dedicated to servicing associations and their members and will continue to enhance the NZOHA Member Insurance Program.
What are the major benefits of the NZOHA Member Professional Indemnity Insurance Policy?
$10m limit of Professional Indemnity for any one claim and $20m for all claims in the aggregate in the period of insurance per member.*
Cover is provided worldwide (excluding only the USA and its protectorates)^
Retroactive cover for past activities if you have held continuous cover (subject to the conditions of the policy).
Run-off cover available when you permanently retire, conditions apply.
Cover for locum and student Dental Hygienists and Oral Health Therapists
I already have a policy elsewhere; can I apply outside of my membership renewal?
Yes, you can opt into the insurance program at any time by purchasing cover via the BMS Portal.
Am I covered for providing Botox or dermal filler?
This cover is not automatically included in the NZOHA Member Professional Indemnity Insurance policy.
Cover can be provided at an additional cost for the application of Botox and/or dermal filler provided you are adequately trained in cosmetic injectables to undertake these activities. Products must be used in line with manufacturer’s instructions.
Note, Platysmal bands Botox treatment is excluded from the cover.
Contact BMS on 0800 999 267 or nzoha@bmsgroup.com for more information or to apply for cover.
What is Professional Indemnity Insurance?
Professional Indemnity Insurance protects you against allegations or claims of financial loss due to injury or damages that have resulted from a negligent act, error, omission, malpractice or breach of duty that has arisen out of your professional capacity as Dental Hygienists and Oral Health Therapists.
Who do I call if I have any insurance-related questions or to discuss my insurance policy?
Contact the BMS team on 0800 999 267 or nzoha@bmsgroup.com.
What happens if I have a leave of absence during the year?
The NZOHA Member Professional Indemnity insurance policy is a claims made policy. This means the policy only provides cover for any prior acts as long as you have an active policy at the time of a claim. Therefore, it’s important to ensure you have a policy in place should you take a leave of absence (leave where you’ll likely return to work at some stage). This will ensure you’re covered should a claim arise during this time.
Does this policy cover me when I retire?
You will need to activate run-off cover with BMS and advise the date your retirement will commence to be covered. Cover is subject to the terms and conditions of the policy, please refer to the Policy Wording and Schedule for full details.
To activate run-off, please contact BMS on 0800 999 267 or email nzoha@bmsgroup.com
Should I consider this cover if I work in the Public Health Sector?
As a Public Health Sector worker, without your own insurance policy you are relying on your employer’s insurance
Your employer’s policy may not cover you for:
Your services with previous employers.
Your private practice work.
Your past services rendered.
Your services provided as a contractor, sub-contractor or consultant.
Having your own individual policy also ensures you are covered if you want to work while transitioning from one employer to the next.
What do I do if I have a claim or complaint made against me?
Members should
Immediately report any potential claim to BMS
Formally document the incident, including details of those involved
Submit any formal statement to BMS
Report any regulatory investigations or notice of complaint immediately
Gather any noted and supporting documentation
Members should not
Speak with any third parties about the claim
Assume any legal fees before reporting a claim
Offer compensation to independently settle a claim
Amend or change any previous medical records once a statement of claim has been received
If you are aware of a potential claim you should contact BMS directly at 0800 999 267 or nzoha@bmsgroup.com
* This limit of indemnity is subject to the sub-limits of indemnity as set out in the policy wording.
^Territorial Limit is worldwide excluding the USA and its protectorates, and Jurisdictional Limit is New Zealand.
You must be a current New Zealand Oral Health Association (NZOHA) member to be eligible to register for the NZOHA member insurance program. If your membership ceases you will not be offered renewal when your policy expires. In offering this insurance to our members NZOHA is a distributor of BMS Risk Solutions (NZ) Limited (BMS), FSP 696531, NZBN 9429047279339. The insurance is arranged by BMS under binder with Certain Underwriters at Lloyds (the insurer). When acting under a binder BMS acts as agent for the insurer and not as your agent. This is general advice only and BMS has not considered whether it was suitable for your personal circumstances, current objectives, needs or financial situation. Please read the Policy Wording and any Disclosure Statement before making any decision about purchasing this policy. As a distributor, NZOHA may receive a percentage of the commission paid to BMS by the insurer and/or a fee per policy in offering this insurance to members.
Contact us with any questions or to join NZOHA
Key Links
Thank you to the Clare Foundation for supporting Te Ohu Pūniho Ora o Aotearoa – New Zealand Oral Health
