Individual cover

1. Individual medical/professional indemnity insurance products* - should be considered by key personnel in or associated with the business. Registered medical practitioners in Australia undertaking any form of practice are required by Australian law to have appropriate professional indemnity insurance that complies with the Medical Board of Australia’s professional indemnity insurance arrangements registration standard.
2. Income protection - while most employees will have personal leave entitlements; income protection provides cover in cases where someone suffers a major trauma event and is unable to work for an extended period. The practice may provide this cover for the manager as part of their employment package.
3. Life & TPD - is similar to key person insurance, the practice may take out a policy on a principal / director to cover the financial impact should that person die or be unable to continue working. The benefit of the policy is paid to the practice.
4. Doctors health fund^# - is the only private health insurance fund created by doctors for the medical community and their families. As an Avant member, it's the health fund you own.
5. Travel Cover^@ - As part of Avant's commitment to provide superior member benefits, Avant has secured access to premium travel cover for its members from QBE– one of Australia's largest insurers.

*Professional indemnity insurance products are issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765 (‘Avant Insurance’). The information provided by Avant Insurance 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, which are available at www.avant.org.au or by contacting Avant Insurance on 1800 128 268.  ^#Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, ABN 68 001 417 527 (Doctors’ Health Fund), a member of the Avant Mutual Group. Cover is subject to the terms and conditions (including waiting periods, limitations and exclusions) of the individual policy, available at www.doctorshealthfund.com.au/our-cover. ^@Avant Travel Cover is available under a Group Policy between QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (‘QBE’) and Avant Mutual Group Limited (ABN 58 123 154 898). Avant Travel Cover is underwritten by QBE. For full details including the restrictions, terms, conditions and exclusions that apply, please read and consider the Product Disclosure Statement, available at www.avant.org.au or by calling us on 1800 128 268. An excess may apply, depending on policy and claim type.