The Premium Support Scheme

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Dr Fiona Langdon
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The Premium Support Scheme

The Premium Support Scheme is an Australian Government scheme that helps you with the costs of your medical indemnity insurance. If you are eligible, this could mean significant reductions in your practitioner indemnity insurance premium charged by Avant.

How do I apply?

If you meet the below criteria then you may be eligible for a reduction on your practitioner indemnity insurance premium through the PSS.

  • Your insurance premium more than 7.5% of your annual gross billings?
  • You are a procedural General Practitioner in an area that is classified as a Modified Monash Model (MMM) 3-7?

Please contact us on 1800 128 268 if you have any questions about the Premium Support Scheme or your eligibility for a premium reduction.

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Things you need to know
  • The PSS is administered by Avant on behalf of the Government
  • Avant invites you to participate in the scheme prior to each premium renewal cycle
  • If you wish to participate and ‘opt in’ to the scheme, you need to complete a request and provide an estimate of your gross private billings for the following premium period
  • Requests are assessed and any PSS subsidy is given as a reduction on your practitioner indemnity insurance premium for the relevant premium period. If you have already paid your premium, then a subsidy payment will be made directly to you

Please complete a request form. To do this, you will need;

  • your estimated gross private billings for the premium period in which PSS is sought
  • details of any payments made to other insurers for run-off cover or retroactive cover in the premium period for which PSS is sought
  • your Medicare provider number(s); and
  • your practice address.

You may be eligible to participate in the Premium Support Scheme if;

  • you are a medical practitioner and your premium for medical indemnity insurance exceeds 7.5% of your gross private billings;
  • you are a Procedural General Practitioner practising in an area that is classified as a Modified Monash Model (MMM) 3-7. For information on MMM visit Department of Health website;
  • you are a medical practitioner working in the public sector and do not generate private practice billings, but you incur costs to maintain cover for claims arising from past private practice;
  • you are working primarily in the public sector, but you have cover for private practice services that you are not indemnified for under a right to private practice agreement, and your gross billings for these services are greater than $1,000 during the premium period.

Important documents

PSS terms and conditionsPDF, 116 KB
PSS request form - 2024-25 financial yearPDF, 110 KB
PSS request form - 2024 calendar year renewalsPDF, 105 KB
PSS request form - 2023-24 financial yearPDF, 111 KB
PSS request form - 2023 calendar year renewalsPDF, 99 KB
PSS request form - 2022-23 financial yearPDF, 111 KB
PSS information sheet 2022-23 financial yearPDF, 99 KB


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NSW State Office AddressLevel 6, Darling Park 3, 201 Sussex Street, Sydney NSW 2000
Telephone 02 9260 9000 | Facsimile 02 9261 2921

Mailing addressPO Box 746 Queen Victoria Building NSW 1230

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In the spirit of reconciliation Avant acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

IMPORTANT: Professional indemnity insurance and the Practice Medical Indemnity Policy available from Avant Mutual Group Limited ABN 58 123 154 898 (Avant Mutual) are issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765 (Avant). Avant Cyber Insurance cover is available to eligible Avant Practice Medical Indemnity Policy holders up to the cessation of their policy and is provided under a Group Policy between Liberty Mutual Insurance Company ABN 61 086 083 605 (Liberty) and Avant. Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, ABN 68 001 417 527, a member of the Avant Mutual Group. Avant arranges Avant Business Insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234 708 (Allianz) and may receive a commission on each policy arranged. Avant Travel Cover is available under a Group Policy between QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239 545 (QBE) and Avant Mutual. Avant Travel Cover is underwritten by QBE and Avant may receive a benefit for arranging cover. Avant Financial Services is a registered business name of Avant Doctors’ Finance Pty Ltd (ACN 637 769 361) and licensed to Avant Doctors’ Finance Brokers Pty Ltd (ABN 75 640 406 784). Avant Doctors’ Finance Brokers Pty Ltd is a wholly owned subsidiary of Avant Doctors’ Finance Pty Ltd. Loan products may be provided by Avant Doctors’ Finance Pty Ltd or arranged by Avant Doctors’ Finance Brokers Pty Ltd. Credit services or assistance to which the National Credit Code applies are provided by Avant Doctors’ Finance Brokers Pty Ltd as authorised Credit Representative (Credit Representative Number 523242) for LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. Legal services are provided by Avant Law Pty Ltd ABN 63 136 429 153 (Avant Law). Liability limited by a scheme approved under Professional Standards Legislation. Legal practitioners employed by Avant Law are members of the scheme.


The information provided on this website is general advice only and has been prepared without taking into account your objectives, financial situation and needs. You should consider these, having regard to the appropriateness of the advice before deciding to purchase or continue to hold these products. For full details including the terms, conditions, and exclusions that apply, please read and consider the relevant Product Disclosure Statement or policy wording and Target Market Determination (TMD) which are available on this website or by contacting us on 1800 128 268. Information on this site does not constitute legal or professional advice, and is current as at the date of initial publication.