The indemnity insurance your hospital provides for interns/RMOs may not cover you in all circumstances. It's vital to choose the medical defence organisation that has the experience and resources to support you when you need it most.
We cover you in case you're sued by a patient or another person because of the healthcare you provide. This also includes the cost of lawyers to defend you and legal costs of the other side (if you are ordered to pay those too). Civil liability cover is up to $20 million.
We cover you for legal fees incurred in proceedings before AHPRA, the Medical Board and the Coroner arising from healthcare you provide as a medical practitioner. We also provide cover for investigations by your state's health complaints entity and the criminal courts. Cover is up to $500,000.
In the unfortunate event that you contract a communicable disease in the policy period such as hepatitis C, hepatitis B or HIV, we'll pay a lump sum of $125,000 to help you either retrain or alter your practice, or to assist you financially if you choose to retire.
If you are required to participate in a disciplinary, criminal or coronial investigation cover is up to $500,000.
Legal fees and expenses cover for employment disputes, such as a complaint that arises from your involvement in your hospital's rotation program. Cover is up to $150,000.
Employment disputes can be stressful, so it's good to know that Avant will help you defend a matter from the ground up, or even pursue a matter against your employer (including when you're on placements). Cover is up to $150,000.
You've worked hard to get to this stage of your training, so we want to support you by providing cover for the cost of lawyers if you have a dispute with your hospitals training program. Cover is up to $150,000.
Cover up to $20,000 at a daily rate of $500 per day, to assist you with out of pocket expenses if you have to be away from your ordinary work to attend a court proceeding or other inquiry in relation to a matter covered by this policy.
We'll support you if you need to defend a complaint — including an allegation of defamation — if you report a healthcare professional or incident to a hospital, area health service or registration body, while you are acting in good faith, in the public interest or required to by law. Cover is up to $150,000.
Cover to pursue indemnity from another organisation if they have declined to cover you, despite having an agreement with you to cover you in the event of a claim e.g. your employer, a hospital or an area health service. Cover is up to $150,000.
^Cover is subject to the full terms, conditions and exclusions of the policy.
Dr Bryan Tan - Avant Intern Member
Important documents: Before completing the Acceptance of Offer form please take the time to read the following important documents.
Intern/RMO1 Indemnity Insurance Policy (including FSG & PDS)
Category of Practice Guide
Constitution of Avant
Student Indemnity Insurance Policy
RENEW NOW I am an Avant Student member
JOIN NOW I am NOT an Avant Student member
Membership with Avant Mutual Group Limited ABN 58 123 154 898 Intern/RMO1 Indemnity Insurance with Avant Insurance Limited ABN 82 003 707 471 AFSL 238765 Version: July 2018
This is an Acceptance of Offer Form for Membership and an Intern/RMO1 Indemnity Insurance Policy and retroactive cover as an Intern/RMO1. This is a legal document, which will form (a) the basis of the contract of insurance between the insured (you) and Avant Insurance Limited (Avant Insurance); and (b) the basis of your contract of Membership with Avant Mutual Group Limited (Avant). When reading this document a reference to 'we', 'our' and 'us' will mean Avant Insurance. 'You' and 'your' will mean the insured.
By submitting this form or otherwise providing your personal information to Avant you consent to your personal information being collected, held, used and disclosed by Avant in accordance with the Avant Privacy Policy found here http://www.avant.org.au/Privacy-Policy/.
1. You must be an Intern/RMO1 who is eligible or has professional registration from the Medical Board of Australia who will be engaged or is engaged in medical training in an Australian hospital.
2. You must only be performing work that is consistent with your category of practice as per the Category of Practice Guide.
3. You must have answered 'no' to all of the questions asked in the claims and history section of this form.
* indicates compulsory fields
I authorise Avant to charge my credit card for membership fees, including payments for the automatic renewal of my membership.
Before submitting this Acceptance of Offer Form, please review the information you have provided and ensure that you have answered all sections. I declare that by submitting this form:
a. I have reviewed the information I have given in this Acceptance of Offer Form and that the information is true and correct, and I acknowledge that Avant Insurance will rely on this information in deciding whether I meet the criteria in making the offer above to me and that this form will be the basis of my policy.
b. I accept the offer of retroactive cover as set out in the policy and this Acceptance of Offer Form to the date that I started my internship or the date that I complete this Acceptance of Offer Form (whichever is earliest) and confirm that date will cover all my past uncovered incidents and I agree to accept all future offers of retroactive cover, unless I advise Avant Insurance otherwise in writing. If I decide not to accept any offer of retroactive cover or future offers of retroactive cover, I may be uninsured for incidents occurring prior to the commencement date of my policy.
c. I have read and understood the Financial Services Guide, Product Disclosure Statement, Intern/RMO1 Indemnity Insurance Policy, and Category of Practice Guide and I understand that the contract of insurance will be subject to the terms, conditions and exclusions of the policy or as otherwise specifically varied by Avant and agreed by me.
d. I accept this offer of membership of Avant and an Intern/RMO1 Indemnity Insurance Policy with Avant Insurance and agree to be bound by the Constitution of Avant and the terms of any insurance policy issued to me.
e. I accept that this Acceptance of Offer is subject to the terms above and receipt of the completed Acceptance of Offer Form by Avant and Avant Insurance.
f. I consent to Avant collecting, using, holding and disclosing my personal information (including sensitive information) in accordance with Avant’s Privacy Policy available at avant.org.au/privacy-policy.
g. I authorise Avant Insurance to obtain information or documents in relation to insurance matters or claims history from another insurance company, MDO or insurance reference bureau or similar organisation.
h. I understand that I may be required to participate in an audit. This may include the provision of a Statutory Declaration by me with regard to my category of practice and/or gross private practice billings (if any). I must cooperate and facilitate such an audit.
i. I accept that my policy will start from the date that I provide this completed Acceptance of Offer Form to Avant and Avant Insurance.
Membership with Avant Mutual Group Limited ABN 58 123 154 898. Student Indemnity Insurance and Intern/RMO1 Indemnity Insurance with Avant Insurance Limited ABN 82 003 707 471 AFSL 238765. Version: July 2018
This is an Acceptance of Offer Form for Membership and a Student Indemnity Insurance Policy and an Intern/RMO1 Indemnity Insurance Policy and retroactive cover as a student and as an Intern/RMO1. This is a legal document, which will form (a) the basis of the contract of insurance between the insured (you) and Avant Insurance Limited (Avant Insurance); and (b) the basis of your contract of Membership with Avant Mutual Group Limited (Avant). When reading this document a reference to 'we', 'our' and 'us' will mean Avant Insurance. 'You' and 'your' will mean the insured.
1. You must be a Medical Student who will, within six months of completing this Acceptance of Offer Form, become an Intern who is eligible or has professional registration from the Medical Board of Australia who will be engaged or is engaged in medical training in an Australian hospital.
Note: If you are not a member of Avant your retroactive date for the purpose of the offer of retroactive cover as set out in the Student Indemnity Insurance Policy and for the period that the Student Indemnity Insurance Policy applies will be the date you complete this Acceptance of Offer Form. Avant Insurance offers retroactive cover from this date. If you are already a Student member your retroactive date for the purposes of your Student Indemnity Insurance Policy will remain unchanged and will remain for the period that the Student Indemnity Insurance Policy applies.
The retroactive date for the purpose of the offer of retroactive cover as set out in the Intern/RMO1 Indemnity Insurance Policy and for the period that the Intern/RMO1 Indemnity Insurance Policy applies is automatic to the date you first commenced work as an intern in Australia or the date that you complete this Acceptance of Offer Form (whichever is earliest). Avant Insurance offers retroactive cover from this date.
Before submitting this Acceptance of offer Form, please review the information you have provided and ensure that you have answered all sections. I declare that by submitting this form:
a. I have reviewed the information I have given in this Acceptance of offer Form and that the information is true and correct, and I acknowledge that Avant Insurance will rely on this information in deciding whether I meet the criteria in making the offer above to me and that this form will be the basis of my policy.
b. With regard to the Student Indemnity Insurance Policy, I accept the offer of retroactive cover as set out in the policy and this Acceptance of offer Form from the date that I complete this Acceptance of offer Form or the date I originally joined Avant (whichever is earliest), and I agree to accept all future offers of retroactive cover, unless I advise Avant Insurance otherwise in writing. If I decide not to accept any offer of retroactive cover or future offers of retroactive cover, I may be uninsured for incidents occurring prior to the commencement date of my policy
c. With regard to the Intern/RMO1 Indemnity Insurance Policy, I accept the offer of retroactive cover as set out in the policy and this Acceptance of offer Form from the date that I started my internship or the date that I complete this Acceptance of offer Form (whichever is earliest) and confi rm that the date will cover all my past uncovered incidents and I agree to accept all future offers of retroactive cover, unless I advise Avant Insurance otherwise in writing. If I decide not to accept any offer of retroactive cover or future offers of retroactive cover, I may be uninsured for incidents occurring prior to the commencement date of my policy.
d. I have read and understood the Financial Services Guides, Product Disclosure Statements, Student Indemnity Insurance Policy, Intern/RMO1 Indemnity Insurance Policy, and Category of Practice Guide and I understand that the contract of insurance will be subject to the terms, conditions and exclusions of the policy or as otherwise specifically varied by Avant and agreed by me.
e. I accept this offer of membership of Avant and a Student Indemnity Insurance Policy and an Intern/RMO1 Indemnity Insurance Policy with Avant Insurance and agree to be bound by the Constitution of Avant and the terms of any insurance policy issued to me.
f. I consent to Avant contacting me in accordance with Avant’s Privacy Policy (including via email, if I have provided my email address). I understand that I may alter this consent at any time by contacting Avant.
i. I accept that my policies will start from the date that I provide this completed Acceptance of offer Form to Avant and Avant Insurance or, as described above, the date I started my internship.
Thank you for joining Avant.
Your Acceptance of Offer form will be processed within the next 7 days, and payment will be taken at that time.
A Welcome letter and Policy Schedule will be sent to your nominated email address upon receipt of payment.
If you have any questions please contact Avant Member Services on 1800 128 268 or email memberservices@avant.org.au
IMPORTANT: Professional indemnity insurance products available from Avant Mutual Group Limited ABN 58 123 154 898 are issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765. The information provided here is general advice only. You should consider the appropriateness of the advice having regard to your own objectives, financial situation and needs before deciding to purchase or continuing to hold a policy with us. For full details including the terms, conditions, and exclusions that apply, please read and consider the policy wording and PDS, which is available at www.avant.org.au or by contacting us on 1800 128 268.