Working within the public health system means that you will generally be indemnified by your employer for negligence claims that result from your provision of patient care.
We are often asked why it's necessary for hospital-employed doctors (HEDs) to hold their own cover above and beyond what is provided as part of their employment. Put simply, the cover provided by the employer does not always extend to cover all the areas of potential exposure.
For example:
- Many doctors working in the public health system undertake some private practice or locums on the side. Any private practice outside hospital employment requires individual indemnity cover.
- While HEDs are generally covered for civil (ie negligence) claims by their employer, other inquiries, complaints and proceedings may not always be covered. For instance, if there is a coronial inquest and two or more practitioners from the same hospital are involved, this may present the hospital with a conflict of interest.
- Medical Board matters, employment disputes and investigations may not always be covered.
As a member of Avant, you have access to individual representation and support to ensure you are personally protected. Insurance gives you the additional protection you need, such as legal fees and expenses cover for a broad range of matters not generally covered by your hospital, cover for Good Samaritan acts worldwide, volunteer services and any private practice you might do.
Case Study: How Avant supports Hospital Employed Doctors
To apply you can either:
1. Contact Member Services on FREECALL 1800 128 268, or
2. Download the documentation below and submit your application.
Before deciding to purchase this insurance product you should ensure you read the policy wording below which includes the Product Disclosure Statement (PDS) and Financial Services Guide (FSG).
If you need any assistance please call Member Services on 1800 128 268 or email memberservices@avant.org.au.