Medical Disclaimer: This article is for general informational purposes only and does not constitute medical or legal advice. AHPRA registration requirements, Medicare billing rules, and industrial award rates change regularly. Always verify with AHPRA, Services Australia, and your medical indemnity insurer before acting on any information here.
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In This Guide
Getting Started with Locum Work in Australia
7 min read | Getting Started | September 2026
TL;DR: Locum work in Australia offers flexibility and often higher pay than permanent positions, but it comes with responsibilities like managing your own superannuation and indemnity insurance. While locuming can be attractive for its autonomy, it may impact career continuity and requires careful consideration of job stability and benefits.
📌Key Facts
Flexibility: Locum doctors can choose when and where to work, offering significant control over their schedules.
Pay Rates: Locums often earn higher hourly rates, but must manage their own superannuation and taxes.
Career Continuity: Regular shifts can be inconsistent, potentially stalling training and CPD opportunities.
Comparing Locum Work and Permanent Positions in Australia
Locum work in Australia offers a unique opportunity for doctors who seek flexibility and varied experiences. Unlike permanent roles, locum positions allow doctors to select their work locations and schedules, making it an attractive option for those who value autonomy. However, this flexibility comes at a cost, locum doctors must manage their own superannuation, taxes, and professional indemnity insurance, which are typically covered by employers in permanent positions.
For many, the decision between locum and permanent work hinges on lifestyle preferences and financial goals. While locum work can offer higher hourly rates, the responsibility for self-funding benefits and managing unpaid leave is a critical consideration.
Pay and Benefits: Locum vs. Permanent Positions
When comparing pay and benefits, locum work often appears more lucrative at first glance due to higher hourly rates. However, this doesn't automatically translate to higher take-home pay. As independent contractors, locum doctors are responsible for their own superannuation, income tax, and professional indemnity insurance. This can significantly impact net earnings and should be factored into financial planning.
12%
Employers must pay a 12% superannuation guarantee on a salaried employee's ordinary earnings from 1 July 2025 (ATO).
In contrast, permanent positions offer stability with employer-covered benefits, including paid leave and superannuation contributions. The choice between locum and permanent roles should consider these financial implications, alongside personal priorities such as flexibility and work-life balance.
Lifestyle and Flexibility: Locum vs. Permanent Roles
One of the most significant advantages of locum work is the flexibility it offers. Locum doctors can choose when and where they work, allowing for a personalised work-life balance. This is particularly appealing for those who wish to travel or spend more time with family. However, the trade-off is that locum work can sometimes lack the consistency and predictability of a permanent position.
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Flexibility vs. Stability
Locum work provides unmatched flexibility, but it's essential to prepare for potential gaps in employment and the need for financial planning to cover periods without work.
Permanent roles often offer more stability and a structured routine, which can be crucial for those who prefer a predictable schedule. Ultimately, the decision between locum and permanent work should align with individual lifestyle preferences and career goals.
Requirements and Qualifications: Locum vs. Permanent Employment
Both locum and permanent doctors in Australia must hold current registration with the Medical Board of Australia through AHPRA. Locum doctors also need a Medicare provider number to bill for services. Internationally qualified doctors must meet specific English language requirements, such as the IELTS Academic or OET, to practice in Australia (AHPRA).
ℹInfo
Every practising doctor must hold professional indemnity insurance to keep AHPRA registration, declared at registration and each annual renewal (AHPRA).
While the qualifications are similar, locum work requires additional preparation, such as managing one's own CPD and insurance. Understanding these requirements is crucial for doctors considering a shift to locum work.
Workload and Job Stability: Locum vs. Permanent Roles
Locum positions often come with variable workloads, which can be both a benefit and a drawback. The ability to control your schedule is a significant advantage, but it can also lead to periods of inactivity if not managed carefully. This lack of regularity can impact career continuity, particularly for those in training or seeking to advance in specific medical fields.
Permanent positions, on the other hand, typically offer stable workloads and clear career progression pathways, which can be vital for professional development. Doctors should weigh the potential for irregular shifts and the impact on their long-term career when considering locum work.
✓Key Takeaway
While locum work offers flexibility and potential financial benefits, it requires careful management to ensure career continuity and financial stability.
Which Should You Choose: Locum or Permanent Work?
Choosing between locum and permanent work depends on individual priorities. For those seeking flexibility and varied experiences, locum work can be rewarding. However, it's essential to consider the responsibilities of managing taxes, superannuation, and insurance. Permanent roles offer stability and full benefits, appealing to those who prefer a predictable routine and career progression.
Ultimately, the decision should align with personal and professional goals, financial considerations, and lifestyle preferences.
Frequently Asked Questions
Locum doctors in Australia must hold current registration with the Medical Board of Australia through [AHPRA](/blog/how-are-ahpra-policy-changes-affecting-locum-doctor-opportunities-in-australia), have a Medicare provider number, and meet specific English language requirements if internationally qualified.
Locum work requires maintaining AHPRA registration, including annual renewal and professional indemnity insurance. It is essential to manage CPD independently to ensure compliance with registration standards.
Yes, there are agencies that specialise in locum placements. However, marketplaces like StatDoctor offer direct access to a wider range of shifts, providing more control over job selection.
Pay rates for locum doctors vary by location and specialty. While they often earn higher hourly rates than permanent doctors, they must manage their own superannuation and taxes. For more details on pay rates, visit [Understanding GP Locum Pay Rates in Australia for 2026](/blog/understanding-gp-locum-pay-rates-in-australia-for-2026).
Locum doctors are responsible for managing their taxes, including income tax and superannuation. It's advisable to consult a tax professional to ensure compliance and optimise tax benefits.
As Reported By
Coverage from news agencies and institutions cited in this article
Dr. Anu Ganugapati is a medical doctor, entrepreneur, and advocate for healthcare innovation. He is the Founder and CEO of StatDoctor, Growth Development Manager at eMedici, and Head of Integrated Health and Education at Health104.
Editorial note·AI-assisted research · Clinically drafted · Medically reviewed
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