The medical student indemnity insurance your university provides may not cover you in all circumstances. Incidents can happen while you're on an elective, a clinical or medical scholarship placement, or even helping a person in an emergency (Good Samaritan Act). Medical defence isn’t something you want to worry about.
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 $75,000 to help you either retrain or alter your training path.
Your Avant Medical Student Indemnity Insurance Policy provides cover for amounts you are legally required to pay as compensation for civil liability arising from healthcare you provide as a medical practitioner outside of Australia where:
Our protection extends overseas if you're travelling for clinical and/or medical scholarship placements that form part of your course.
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 subject to the full terms, conditions and exclusions of the policy.
Vijay Pather - Avant Member