Avant remains in a strong financial position despite the turbulence in investment markets, and continues to be in a strong position to support members now and into the future.

The year saw financial headwinds strengthen for many industries and economies across the globe. However, our prudent financial management principles mean we are able to continue to deliver against our financial objectives.

We previously outlined the goals of Avant’s long-term capital management strategy and we remain committed to the following objectives:

• limiting premium increases as much as possible
• keeping members’ capital fully invested even during volatile market conditions, thereby focusing on long-term returns
• returning real value to members in the short term through the Loyalty Reward Plan and other pandemic-related member support, and in the long term via the Retirement Reward Plan.

Avant doctor and medical student members ('000s)

Sound underlying financial results

The 2021-22 financial year proved challenging to navigate due to several factors, including the ongoing and changing impact of COVID, the war in Ukraine, surging inflation and interest rates and, in the second half of the year, cost of living pressures and a buoyant employment market. Pleasingly, our core operating business units performed in line with expectations, delivering strong results.

However, as foreshadowed last year, the volatility in investment markets continues to be unpredictable and was the main driver of the group’s overall result of a net loss of $48m.

The group remains extremely well capitalised with net assets still in excess of $1.3b, and a very healthy $18,800 per member. Members’ interests remain our priority as we continue to manage our funds both prudently and effectively.

Further assistance for members

Floods and the continued impact of the pandemic, affected some members financially and we were pleased to have been able to continue supporting them at a difficult time.

Further, delays in elective surgery have resulted in lower claim volumes throughout the private health industry, and we are proud to have been able to return funds to our Doctors’ Health Fund members. We have delayed premium price increases by six months, saving Doctors’ Health Fund members $2.8m and returned $3m in the form of a cash give-back, due to the reduced claims volumes.

Leveraging our growth

We continue to see our membership grow, which now stands at over 82,000. Retention remains exceptionally high at 98%, a reflection of our stable and competitive premiums and the high quality of service we continually strive to deliver.

The continued diversification of Avant through new businesses leads to increased scale benefits and allows us to provide more services and products to this growing member base.

Positive insurance result

Our insurance portfolio of practitioner and practice indemnity plus Doctors’ Health Fund, continues to grow. Underlying net earned revenue increased by 9.1% over the previous year, adjusted for financial support provided to members. Overall, premium growth was broadly distributed equally across volumes and price.

Reported claims expense across the portfolio was impacted by many factors, with the rise in interest rates and the resulting benefit from discounting, having a significant positive impact. Lower claims in private health also contributed to the lower than expected claims result. Overall, underlying claims expenses for the financial year were in line with expectations, with lower claim numbers broadly offset by a marginally higher allowance for future inflation.

The frequency of civil litigation claims, which are the largest proportion of claims expenses, reduced during the second half of the year and may have been impacted by COVID-related disruptions, such as suspensions of elective surgery and lockdowns. However, this was offset by an increase in the average cost of these claims.

The costs associated with other claims were down and contributed to lower than expected claims costs.

We continue to invest in our people and infrastructure resulting in expenses growing from last year. However, pleasingly, expenses as a proportion of revenue have remained steady.

Investment income for the insurance portfolio was negative due to the impact of rising interest rates and general market volatility. This impact is to be expected, but our investment strategy minimised it and contributed to a positive overall insurance surplus when considering the low claims cost.

Net assets per members ($'000s)

An increasingly diversified portfolio

The revenue streams for Avant continued to evolve as our range of products and services designed for doctors grows. Revenue from diversified products now represents 38% of total revenue.

While Doctors’ Health Fund represents the majority of this revenue, strong growth continues in other areas with PracticeHub growing another 28% during the year and Financial Services, including lending, growing by 71%.

In addition to these established businesses, the newly extended Avant Law services commenced in July 2022 and are expected to add further avenues for revenue in the future. The partnership with Team Medical, while not consolidated into Avant’s revenue, is another development where members benefited from the group’s increased footprint.

Investment markets remain uncertain

The volatility in global and domestic investment markets has been well documented in recent times. The speed and increase in interest rates seen during the first half of the calendar year was unprecedented as central banks globally acted to stem the threat of rising inflation. Avant was well placed to take advantage of this change and ultimately, our members will benefit from higher returns despite the short‑term impact on profits.

Avant Mutual revenue 2021-22

Our approach to managing Avant’s investments is to smooth out the fluctuations both in the market and insurances businesses, to provide stability and security to members. This occurs over a long time with investment returns averaging approximately 4% since the start of the pandemic, during a period where interest rates were almost zero.

The chart below shows that rolling five-year average returns for all investments over time have been positive and allow Avant to remain strong well into the future.

Looking forward

The future will see many challenges including the threat of inflation through claims costs and administrative expenses, uncertainty of hospital capacity and private health claims, and ongoing investment market instability. Avant’s long-term approach to managing capital and premium levels, combined with conscious focus on costs and claims management, means we are well equipped to meet these uncertainties.

The scale in our core businesses remains important, but equally important is our ability to add more revenue streams, which will ultimately mean Avant is more resilient to specific financial shocks. In the end, this will allow us to meet the financial objectives outlined.

Rolling five-year average Avant Group investment growth

Running a medical practice comes with a set of issues that doctors may not have considered earlier in their careers. There are many ways the practice, including non-medical staff, practice systems and processes, can create issues across the business, which are reasons why many members are turning to Avant for protection.

Peace of mind for practices

In 2021–22, 2,928 practices were protected by the policy, which was an increase of 4% from the previous year. Our practice medical indemnity insurance can support you to run a successful practice and offers peace of mind for you and your staff.

The policy covers the legal costs of defending the practice and its staff against allegations and complaints, as well as compensation amounts the practice may become liable to pay. It also has other features, including cover for employment issues, responding to a Medicare audit, complaints and investigations, and a range of other risks.

Importantly in the current environment, practices are covered for telehealth activities, including video conferencing and SMS, and issues arising from COVID vaccine risks, vaccinations, employment and safety advice.

Practices needing support

The practice policy offers more than insurance cover. There is holistic support from our defence team, which includes medico-legal specialist claims managers, solicitors and medical advisers. Practices can also access our Medico-legal Advisory Service to help with difficult situations.

In the past financial year, we received almost 3,900 calls from practices for medico-legal advice, approximately a 30% increase from the previous year.

This is a significant number of calls coming from medical practices, considering we insure just under 3,000 practices, and shows our Medico-legal Advisory Service continues to be of high value, especially throughout the pandemic.

Cyber insurance

Cyber incidents are highly prevalent in healthcare and Avant Cyber Insurance cover remains complimentary to Practice Medical Indemnity Policy holders. This is to protect practices against many of the common losses caused by a cyber incident.

This is valuable cover to our membership, as cyber incidents can have a significant impact on both doctors and practices.

Cyber Insurance includes cover for assistance if there has been a cyber attack on the practice, extortion, reputational expenses, privacy and security, business interruption and multimedia liability. This insurance also works in conjunction with Avant Practice Medical Indemnity Insurance, which assists if there has been a breach of privacy or confidentiality as a result of a cyber attack.

Avant Business Insurance

Avant Business Insurance provides coverage options to protect medical practices’ assets from unforeseen events. In 2021-22, 903 policies were in place to protect against losses from unexpected events. This totalled almost $1.8m in gross premiums, a growth of 30% compared to last year. Similar to other natural disasters that have taken place in recent years, we offered support to members that were directly impacted by the floods.

Dr Douglas Travis

Urologist, VIC
Avant Mutual Director

It can be hard to find lawyers who understand how our profession affects other aspects of our lives, and that legal issues and life administration need time and attention we can’t always spare.

Having its own law firm has allowed Avant’s lawyers to focus solely on serving members and to build a deep understanding of doctors.

Building on its medical indemnity reputation, Avant Law can now help you with more aspects of your life and medical career.

"We felt very lucky being matched with a solicitor who had the industry experience. Not only did he have a legal mind, but he could put a practical application to it which was extremely reassuring. He was prepared to invest the time to assist us and was quickly able to put a framework around what needed to be done."

Avant Law client

Avant Law has been supporting and protecting doctors with medical indemnity matters for many years. Following feedback from members, we are very excited to have expanded our legal services to help doctors with their personal, professional and business legal needs.

To deliver these new services, Avant Law recruited additional lawyers with the experience to help with matters ranging from developing a will to managing and selling a practice. Avant Law is the place to find lawyers who understand doctors and their practices.

Expanded legal services offerings

Our expanded legal team offers a range of new services beyond medical indemnity, on a fee-for-service basis.

Commercial & corporate

Legal advice on day-to-day commercial contracting and growing your business. Support for you and your business from starting to selling, and every step in between.

Data protection & privacy

Legal advice on data protection and information storage, and security requirements for medical practices.

Dispute resolution & litigation

Help to resolve your personal and business disputes. From managing suppliers to investigating employee complaints and resolving disputes with your landlord.

Employment & workplace

Legal support across all areas of workplace law, for businesses and individuals.

Estate planning & probate

Legal support to protect your assets and manage your personal affairs.

Property

Guiding you through your personal and practice property transactions including purchase and sale, leasing and development.

Medical indemnity unchanged

Importantly, there will be no change to the existing services the Avant Law medical indemnity team currently provides members. Members still have access to the largest medical indemnity team in Australia. No Australian medical defence organisation has more medico-legal expertise to defend you than Avant - whatever your situation.

Left to right: Avant Law employees; Ren Li, Annabelle Lowing, Patrick Esplin and Blade Atton.

23%

growth in life insurance customers

 

Kooyong loans by purpose Total 1,149

Avant has been developing extended financial services to provide tailored products and services for doctors, since 2017. This year has seen changes to our offerings as we strive to present members the best solutions in response to changes in regulation.

New life insurance selection tool

Following the Royal Commission into banking, life insurance product requirements changed and Avant looked to find how best to service members’ life insurance needs. One challenge for doctors looking for the most suitable product is the time it takes to research the options available and understand how they compare.

To make this easier, we reviewed leading life insurance providers and made a shortlist of four whose products have features and benefits we think doctors will value.

In November 2021, we launched our new Life Insurance Selection Tool (LIST) to supersede our previous offerings. The LIST places a curated selection of life insurance products at your fingertips, making finding the right life insurance policy easy. This curated list only includes those that met our strict criteria.

Despite the need to adapt to the changes in the market, we have grown the number of members insured by 23% in 2021-22, and now protect over 2,100 members.

Exiting financial advice

Avant has always prioritised its members’ interests first and foremost, which is why any wider business decision comes after heavy deliberation and careful planning.

In line with what is happening in the industry, the regulatory environment has been challenging the sustainability of financial advice. While we still believe in the value of advice, the use of member resources is critical, and therefore we made the decision to cease the provision of holistic personal financial advice in 2022.

To support members who may require financial advice in the future, we created a directory of advice firms whom members may wish to consider in meeting their advice needs. The firms on the directory have committed to providing preferential terms to Avant members.

Avant continues to support our members in the provision of advice across critical insurance areas such as life insurance, income protection, death and permanent disability, trauma, business expenses insurance, buy/sell agreements and group schemes.

Finance for doctors

Avant is in the third year of its partnership with Kooyong, a specialist lender for doctors. Kooyong secures finance for doctors by understanding and explaining their unique circumstances to a prospective lender. With access to a range of lenders, including those who offer preferential service, Kooyong can often save time, money and financial headaches.

By understanding what lenders require, doctors’ unique income streams, career journeys and most importantly, credit character, Kooyong can make the process of financing a home, investment property, medical equipment or practice quicker and easier.

In 2021-22, Kooyong financed 1,149 loans that amounted to $799m.

After nearly two years of shutting its borders to the rest of the world, Australia allowed fully vaccinated citizens and permanent residents to travel overseas without an exemption as of November 2021.

Avant understands the need for our members to be covered, should they be diagnosed with COVID while traveling. Being covered for COVID-related illnesses was a feature commonly removed by the travel insurers during the pandemic. As of 1 July 2022, we are pleased to be offering this coverage to our members.

Despite the challenges of the pandemic, our travel cover remains a highly valued product, a survey showing 84% of members with the product stating they would be likely to recommend it to a colleague.

As a result of several factors including increased claims and, most importantly, COVID cases, premiums for travel cover across the industry have increased this year.

Our pricing has been adapted to offer the best possible value while maintaining excellent coverage.

Avant Travel Cover still covers an unlimited number of trips (up to six months’ travel per trip), as doctors tell us they spend short periods working overseas or take extended breaks. It also covers accompanying spouse and dependent children.

Members have 24/7 emergency assistance for when things go wrong, and most importantly, it covers you for unlimited medical expenses incurred overseas.

Dr Michael Wright

Avant Chief Medical Officer
General practitioner, NSW

General practitioner, NSW The saying that ‘the only constant is change’, has never been more evident in healthcare due to the pandemic and our response to it continues. Change often results in additional layers of bureaucracy and constantly changing requirements make it hard to keep abreast of them all.

Avant continuously advocates on behalf of members to policy makers and regulators for a fair environment for doctors. We also work tirelessly to ensure the impact of major changes is clearly communicated to members.

COVID continued to be the key challenge for doctors over the last year. The good news was that we saw rapid uptake in COVID vaccinations. However, members continued to face issues such as staff shortages, confused and anxious patients, delays in elective surgery, inconsistent information and support for primary care, and overwhelmed emergency departments and hospitals. For doctors in training, the pandemic continued to disrupt their training programs and exams.

The strong relationships we developed with the Commonwealth Department of Health, the AMA, and RACGP, allowed us to continue to engage with key stakeholders including participation at regular Peak Body meetings and the Department of Health COVID Forum. In the COVID context, in 2021-22 we were successful in advocating for:

• supporting permanent rollout of telehealth
• reducing compliance burden on primary care providers participating in the COVID vaccine rollout.
• extending image-based prescribing, which was introduced as an interim measure pending the introduction of e-prescribing.

No-fault COVID indemnity scheme

Avant, with other medical defence organisations, was successful in influencing the Department of Health to implement a no-fault COVID vaccine indemnity scheme, which meant doctors were not burdened with claims relating to COVID vaccinations.

The new no-fault indemnity scheme came into effect in September 2021. It covers the costs of injuries above $5,000 due to a proven adverse reaction of a COVID vaccination. In November 2021, another announcement reduced the claim threshold to cover the costs of injuries above $1,000.

Making telehealth permanent

Avant was at the forefront of lobbying for the introduction of telehealth at the start of the pandemic. Further activity and feedback was provided on the necessity of maintaining telehealth, so it was pleasing to see its extension until the end of that year.

Subsequently, in December 2021, the federal government confirmed it will commit $106m to make telehealth a permanent feature of primary healthcare. The service has been transformational to healthcare delivery and connected millions of people to their doctors, while being kept safely at home throughout the pandemic.

Voluntary assisted dying

All states have now passed legislation legalising voluntary assisted dying. Western Australia’s voluntary assisted dying legislation, passed in 2019, came into effect on 1 July 2021.

Tasmania, South Australia and Queensland have all passed legislation to legalise voluntary assisted dying in 2021. Avant provided input for a study run by Griffith University researching the strategies, resources and other factors that should be considered as health services in Queensland to prepare for voluntary assisted dying. Queensland’s legislation is expected to start on 1 January 2023; Tasmania in October 2023; and SA is also likely to implement in 2023.

NSW was the final state to legalise voluntary assisted dying. Avant made submissions to the NSW Parliament’s inquiry into the Voluntary Assisted Dying Bill 2021 and the legislation was passed in May 2022 and will come into effect in late 2023.

Currently, the ACT and Northern Territory are prevented from passing voluntary assisted dying legislation due to Commonwealth legislation passed two decades

ago that overturned the Northern Territory’s then Rights of the Terminally Ill Act. There is legislation currently before the Commonwealth parliament that restores the territories’ rights to make laws in this regard. If this legislation is passed, it is likely that these jurisdictions will also legalise voluntary assisted dying.

Medical regulation

The way medical regulatory authorities regulate the conduct of doctors is an area of great interest for our members. We continue to advocate for a fair approach that educates and for any sanctions to be proportionate.

Avant provided submissions to, and gave evidence before, two parliamentary committee inquiries during the year. The first, a Senate inquiry into Ahpra’s administration of the Health Practitioner Regulation National Law, looked at issues including the regulation of health practitioners, handling and assessing notifications and the impact on practitioners, unregulated professions, the registration process and examining systemic issues. There were 14 recommendations made in the Committee’s April 2022 report.

The second was the Queensland Health and Environment Committee inquiry into proposed amendments to the National Health Practitioner Regulation legislation (the National Law).

Submissions were also made to two consultations relevant to the regulation of cosmetic practitioners:

• The Consultation Regulation Impact Statement on the use of the title 'surgeon' by medical practitioners
• Ahpra’s independent review of the regulation of health practitioners in cosmetic surgery.

Contributing to good health

Avant worked closely with the RACGP, providing input to its resource for GPs for managing aggressive patients and its draft education module on nicotine vaping in light of scheduling changes. Input was also provided to the RACGP’s Medicare compliance group and to the Department of Health’s online Medicare compliance portal, which aims at digitising the process of responding to compliance activities.

Real-time prescription monitoring system expansion

Inappropriate use of controlled medicines including opioids and benzodiazepines, is an important public health issue and inappropriate prescribing can give rise to significant medico-legal risk. Real-time prescription monitoring (RTPM) is designed to make controlled medicine prescribing and dispensing data accessible to practitioners at the time of care, to better inform clinical decision making. Queensland’s RTPM system, QScript, went live in September 2021. This makes Queensland the second state where it is mandatory for GPs and pharmacists to check when prescribing or dispensing drugs of dependence.

New South Wales rolled out the first stage of its new RTPM, SafeScript NSW, in November 2021, progressively implementing it throughout the state over the next six months. SafeScript is not yet mandatory in NSW, but South Australia, Victoria, the ACT and Tasmania all have RTPM systems.

All states and territories are working towards integrating their systems with the Australian Government’s National Data Exchange, which will allow relevant information to be shared to produce real-time detection and alerts for regulators, prescribers and dispensers.

"I appreciate the advocacy work Avant is involved in and have always found interactions with Avant [staff] members to be professional, personable and helpful."

Avant member

Our purpose is to provide confidence to doctors so they can keep serving the community. Support for the profession is a key aspect in meeting this purpose.

A total of $530,000 was invested in activities with medical colleges, societies and associations in 2021- 22. These arrangements enable advancements in education, research and advocacy activities that improve medical practice for the benefit of doctors and patients.

$530,000

invested in support and partnership activities

 

626

 

events supporting the medical community

 

Partnering across specialties

The start of 2022 saw a return of face-to-face events, as more partners adapted to the ‘new normal’ of hosting combined physical and hybrid events. Avant played an active role in sponsoring several national conferences during this time, after they had been disrupted in the past two years.

Avant continues to support the Australian Society of Plastic Surgeons (ASPS) and the Urological Society of Australia and New Zealand (USANZ) registrar SET programs. Avant is involved in the SET programs across these specialties through sponsorship and delivering education on relevant medico-legal risk topics.

The Australian Orthopaedic Association (AOA) held successful branch meetings in Queensland and Victoria, followed by their Knowledge Summit in North Queensland, with Avant’s support and representation. We also support AOA’s SET program, providing bespoke education at their trainees’ annual Bone Camp event.

Avant continues to work closely with the Royal Australasian College of Surgeons, supporting their International Women’s Day events and their Annual Scientific Congress, and partner with the Australasian Gynaecological Endoscopy and Surgery (AGES) Society, sponsoring their annual Pelvic Floor Symposium.

Keeping you up to date

Our monthly newsletters keep members abreast of the latest developments in regulations and best practice, and the ever-popular case studies are reminders of how to avoid or manage undesirable situations. Newsletters are tailored for career stage and specialty, with 16 different versions being regularly delivered through the year. It is pleasing to see members continuing to appreciate the content - some newsletters being opened by an incredible 70% of recipients.

Our twice yearly print magazine, Connect, gives members a wealth of articles including case studies, member profiles and industry insights from our different businesses.

Ask the Expert

Doctors were also kept informed through the ‘Ask the Expert’ webinars, which began at the start of the pandemic and have seen over 8,300 attendees since launch. In 2021-22, we held 111 online events, including eight ‘Ask the Expert’ webinars, and delivered 56 face-to-face activities. The two most popular topics were updates on COVID and the current issues in Medicare for general practitioners.

While 2021-22 saw a blend of in-person and online events, attendance had shown that online allowed for a significantly broader reach and the ability to watch later on-demand. All our webinars are uploaded to our YouTube channel, which had 36 new videos added in 2021-22. These have proven popular with a total of 13,536 views, a considerable increase from 2,171 the year before.

111

 

online education events delivered

 

Continuing to support mental health

Long hours in a stressful profession are contributing to doctor burnout, which our member survey shows as a common challenge. That’s why Avant is committed to supporting doctors’ mental wellbeing by providing resources on how to cope in stressful situations and how to build resilience.

Among our list of guest speakers to present at our events was former SAS major and regimental medical officer Dr Dan Pronk, who experienced the stress from over 100 combat missions, including four tours of Afghanistan. Dr Pronk presented on dealing with cumulative trauma and post-traumatic growth and was at the RACS ASM to sign his book, The Resilience Shield.

Over the last four years we have supported Avant member, Dr Geoff Toogood’s Crazy Socks 4 Docs by raising awareness across our 82,000 members, and distributing 3,000 pairs of socks to doctors across the country. This initiative seeks to address doctors’ wellbeing through encouraging open discussion by doctors and healthcare professionals on their mental health.

3,000

 

pairs of socks distributed to support Crazy Socks 4 Docs

 

Delivering online insights

The Avant Learning Centre provides members with information on best practice for a multitude of situations in several formats to meet user needs. The resources are regularly updated, with our experts creating 23 new professional development resources in 2021-22. There were over 140,000 page views of our resource in the year. There was interest across many topics with the most frequently viewed items being:

• medical certificates and your responsibilities
• storing, retaining and disposing of medical records
• children and consent
• Request to attend an employment meeting
• how to end the doctor-patient relationship.

Support the next generation

Avant continues to partner with onthewards to develop risk management content tailored for junior doctors. onthewards is a free, open access medical education website addressing a gap in formal education for medical students and junior doctors. It is run by junior doctors and dedicated to delivering practical, high-quality online resources.

Partnerships are in place with 22 university medical societies to support the next generation of doctors.

22

 

sponsorship arrangements with university medical societies

 

Former SAS major and regimental medical officer, Dr Dan Pronk (3rd from right) presented at the Royal Australian College of Surgeons’ Annual Scientific Meeting and meets the Avant team.

As a mutual, Avant exists to benefit its members. To help achieve this, we seek representation that reflects the range of roles and make-up of the membership. This ensures your interests are represented by Avant.

Having the perspectives of doctors across various backgrounds and specialties is essential to our understanding of what matters to members. This plays a large role in forming our operational activities and strategic goals.

Thank you to all members who have contributed this financial year through our advisory panels and committees, medical adviser roles within our business and the elected members on the Board.

National Advocacy Stakeholder Committee

This committee provides strategic advice to inform and develop Avant’s advocacy and education initiatives. We leverage members’ close links to medical colleges and other key stakeholder organisations, to align our efforts to their activities for the benefit of the membership and profession.

In the past year, committee members have assisted us to keep up to date with developments at the front line during the pandemic. They have provided valuable input into the work of the advocacy and education team, and highlighted the key medico-legal issues for our members, including Medicare compliance and telehealth.

State Medical Committees

To effectively protect members, it is essential to understand the medicine. The State Medical Committees discuss medical issues and highlight emerging risks Avant should be addressing to support members.

highly respected doctors covering anaesthesia, emergency medicine, general practice, intensive care, obstetrics and gynaecology, oncology, orthopaedics, radiology and more.

Scholarship and grant evaluation panels

The panels provide advice on Avant’s scholarship and grant programs, input on assessing applications and selecting the recipients. The panels feature experienced medical researchers, members across a variety of specialties and practice managers.

Doctor in Training Advisory Council

Trainees require specific support in their early careers, which is why the Doctor in Training Advisory Council (DiTAC) was established to advise on doctor-intraining related issues. In 2021-22, the 10 members' representatives met four times to discuss the impacts of COVID on training and early career doctors, as the environment has varied over the past few years, as well as updates in hospital, and the current challenges doctors face. They have also continued to contribute to the delivery of our scholarship program for trainees.

Thank you to the panel members for your contributions in 2021-22*

2021-22 Foundation and other grants Judging Panel

Dr Penny Browne

2021-22 Avant/AAPM Scholarship Program Judging Panel

Ms Jan Chaffey

2021-22 Early Career Research Program Judging Panel

Professor Nadia Badawi

2021-22 National Advocacy Stakeholder Committee

Dr Graeme Campbell

2021-22 Doctors in Training Advisory Committee

Dr Jessica Dean

"I have enjoyed working with DiTAC members to advocate for DiTs in the healthcare system. It is inspiring to hear all the efforts and sacrifices DiTs have made during the pandemic to ensure patients received optimal care in the system."

Chris Go
Chair, Doctor in Training Advisory Council

*Accurate as of 30/6/2022