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  • Professional Indemnity Insurance

    Responsive cover that gives you peace of mind

     
  • Leading support in your times of need

     

    As Australia's largest member-owned medical defence organisation, Avant offers unrivalled protection, supporting the medical profession for almost 130 years.

    When you join Avant, you’re protected with comprehensive cover, award-winning defence, expert risk advice and support, and industry-leading insights.

  • What your indemnity cover includes^



  • We cover you in case you're sued by a patient or another person because of the healthcare you provided. You are also covered for lawyers to defend you in the case and legal costs of the other side (if you're ordered to pay those too). Cover is up to $20 million.

    We defend you in front of AHPRA, the Medical Board and the Coroner when your practice is being examined. We also support you through investigations by your state's health complaints entity and the criminal courts. Cover is up to $2 million.

    In the unfortunate event that you contract a communicable disease such as hepatitis C, hepatitis B, HIV, extremely drug-resistant tuberculosis (XDRTB), multi-drug resistant tuberculosis (MDRTB) or New Delhi metallo enzyme enterococci (NDM-1), we'll pay a lump sum of $250,000 to help you either retrain or alter your practice, or to assist you financially if you choose to retire.

    We'll cover you, where permitted by law, if you are fined by a government regulator for a breach of privacy, consumer protection, environmental or workplace health and safety laws. We will also cover you for any notification costs for privacy breaches. Cover is up to $250,000.

    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 a visiting medical officer). Cover is up to $175,000 (subject to joint contribution).

    You come into contact with Medicare and private health funds a lot as a doctor, so it's good to know that Avant will assist you with an audit or an investigation by either of these sorts of organisations. Cover is up to $2 million.

    Mistakes happen, and you might inadvertently not notify us of a claim or circumstance in the right year. If you've remained continually insured with Avant, we will still cover you.

    We understand that as a doctor you have the opportunity to take your skills abroad, so it's good to know that Avant will cover you for healthcare that you provide anywhere in the world (excluding the USA). Cover is valid for less than 120 days and less than 2 years if in a training program. Please read the policy wording for full cover information.

    Cover for healthcare provided using telehealth such as a video conference, phone or SMS. Cover up to $20 million.

    We'll support you if you're having trouble being indemnified by another organisation, like your employer, a hospital or an area health service, which you have an agreement with to indemnify you. Cover is up to $500,000.

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

  • Important documents:

    For cover with a policy period start or renewal date on or after 1 January 2022 select:

    For cover with a policy period start or renewal date after 1 July 2021 and prior to 1 January 2022 select:
    For cover with a policy period start or renewal date prior to 1 July 2021 select:

    Other important documents:

     
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    Avant members value our leading support


    FIona-Langdon-Circle  

    "Being an Avant member means I am covered by Australia’s leading medical defence organisation with the largest in house medico-legal team. I feel confident knowing that I have the best service and cover available.”

    Dr Fiona Langdon, Avant member since 2016

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    Experience the Avant difference today


    Get a quote

    Request an indicative quote
    for your practitioner indemnity insurance

    Schedule a call

    Complete our short form for a call from one of our team at a time convenient for you

    Ready to apply?

    Complete our online practitioner indemnity application form
    Read PDS & policy documents