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. By choosing Avant, you won't have to.
Cover for civil liability compensation you are required you pay if you are sued by a patient or another person because of the healthcare you provide. This also includes the costs 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 $20million.
We cover you for legal fees incurred in proceedings before AHPRA, the Medical Board, and the Coroner arising from healthcare or unpaid 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 $500k
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 in relation to healthcare or unpaid healthcare provided by you 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 indemnify you, despite an agreement with to cover you in the event of the claim, like your employer, a hospital or an area health service. Cover is up to $150,000.
Vijay Pather - Avant Student Member