• ^The Retirement Reward Plan reflects the current policy of the Board for determining which members of Avant are eligible to participate in the Retirement Reward Plan and any Retirement Reward Dividends declared by Avant. The Retirement Reward Plan is entirely at the discretion of the Board and no member will be eligible to receive a Retirement Reward Dividend until such time as the Board declares a dividend in favour of that member. The Retirement Reward Plan is subject to change, suspension or termination by the Board at any time.

    *Not all members are eligible for an LRP reward. Members not eligible include medical students, interns, RMOs and DITs and members who have their professional indemnity policy purchased on their behalf under a corporate group arrangement. However, membership years as an intern, RMO or DIT will be included in tenure calculations. The provision of an LRP reward will be determined by the Avant Insurance Board’s annual assessment of the quality of Avant’s financial performance.

    **The discounts do not apply to previous or existing members of the Getting Started in Private Practice scheme and only apply from the first year a member becomes eligible and subject to eligibility rules. For the eligibility rules and full details, please read the Getting Started in Private Practice Member Eligibility Rules at avant.org.au/newprivatepractice or by contacting us on 1800 128 268.

    #IMPORTANT: Avant travel cover for trips commencing 1 January 2019 is available under a Group Policy between QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE) and Avant Mutual Group Limited (ABN 58 123 154 898 ) (Avant). The Policy is underwritten by QBE and Avant may receive a benefit for arranging cover. For full details including the restrictions, terms, conditions and exclusions that apply, please read and consider the Product Disclosure Statement, Avant’s Financial Service Guide and Avant’s Terms and Conditions of Travel Insurance Cover available at avant.org.au or by contacting us on 1800 128 268. An excess may apply, depending on policy and claim type. For Interns and RMOs, travel insurance is subject to registration with Avant prior to each trip.