Avant - Mutual Group

  • Professional Indemnity Insurance

    Medical practitioners



  • As Australia's largest mutual, not-for-profit organisation, we have a proud heritage of protecting and supporting the medical profession that spans over 125 years. Having members at our core means we are uniquely placed to understand your specific needs as a doctor. Everything we do is driven by these needs with the aim to support doctors throughout their career.

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  • Key features of your policy^

  • 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 or HIV, 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, less than 2 years if in a training program and not for Telehealth. Please read the PDS for full cover information.

    This cover is optional. Under this cover, you may be reimbursed for your out of pocket expenses relating to travel and accommodation and also your loss of earnings, if you have to be off work to attend a legal matter you're involved with.

    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

    download
    Download the insurance policy booklet (inc. Product Disclosure Statement & Category of Practice Guide) v6.0 — effective from July 2018
    download
    Download an interactive application form
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    Download the summary of features
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    Download the factsheet for non-clinical categories of practice
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    Download the guide to premiums and claims
  • Dr Michael Challis  

    "I have confidence that I’m going to be looked after because Avant is the largest medical defence organisation in Australia, that’s run by doctors who are looking out for doctors."


    Dr Michael Challis - Anaesthetist, Avant member since 2011

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