• Practice Medical
    Indemnity Insurance

    Cover for claims made against the practice entity

  • Protection for the practice – confidence for you.

    There are many ways the practice – i.e. non-medical staff, practice systems and processes – can create or contribute to a poor patient outcome, leaving the practice exposed to legal action.

    Avant Practice Medical Indemnity covers the practice for the legal defence costs and compensation amounts the practice may become liable to pay, associated with allegations and complaints. The policy also covers the practice for legal fees related to employment disputes and other matters, and there’s an option to include public liability cover.

  • Avant’s Practice Medical Indemnity. What it covers.^

  • Covers the practice up to $20 million for compensation amounts the practice may become liable to pay, and the associated legal defence costs for matters including;

    • telehealth
    • breaches of privacy
    • defamation
    • failure to follow up.

    Covers the practice up to $500,000 in responding to matters brought by a state health complaint entity or criminal or coronial investigations. Avant's medico-legal experts will assist you and your employees with everything from drafting a formal response and preparing for a hearing, to defending the practice or its non-medical practitioner employees.

    Reasons a practice may face an investigation or inquiry include:

    • coronial inquiry
    • refusal to treat a patient
    • allegation of discrimination
    • communication issue.

    We’ll cover the practice for up to $150,000 for legal fees associated with a dispute with an employee (including an employment contract). Our Medico-legal Advisory Service can also provide personalised advice to prevent a dispute from escalating.

    Common reasons why practices contact Avant for advice or defence include:

    • disputes with employees
    • disputes between employees
    • employees' use of social media
    • employment contracts.

    Employees will not be covered when acting in their capacity as a medical practitioner.

    Covers the practice up to $150,000 for the legal fees associated with an inquiry including; alleged dishonest, fraudulent, or criminal conduct associated with healthcare service in relation to the Medicare Benefits Scheme.

    The Avant Practice Medical Indemnity policy provides cover for the practice and employees for incidents arising from the management and administration of vaccines, provided the practice normally administers vaccinations as part of your healthcare services e.g. GP practice.

    The cover is for situations that may result in a claim against the practice entity including:

    • patient adverse reaction to a vaccine, provided the employee has the appropriate training and qualifications to administer it
    • administering the vaccine away from the practice, such as a practice nurse attending a nursing home or a separate clinic
    • complaints made to a tribunal or registration board against the practice in relation to healthcare services provided.

    Avant Cyber Insurance has been designed to help protect your practice against many of the common losses caused by a cyber incident. This is an additional benefit for your practice when you hold an Avant Practice Medical Indemnity Policy. Cover is complimentary for all eligible practices with no additional premium payable.

    Covers the practice for legal defence costs and compensation amounts if the practice is found responsible for the loss or damage of property, including injury, as a result of negligence.

  • ^Cover is subject to the full terms, conditions, and exclusions of the policy.

  • Resources

    Subscribe to practice
    Subscribe practice content
    PMIP cyber insurance

    Complimentary Avant Cyber Insurance when you hold an Avant Practice Medical Indemnity Insurance policy

    medicare audits

    Joint responsibility for Medicare repayments. Find out how Avant can support your practice