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  • COVID-19: Indemnity: FAQs

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  • COVID-19 vaccinations: are you covered?

    Medical practitioner

    Avant vaccine cover - practitioners

    Medical practice

    Avant vaccine cover - practices

    Intern

    Avant vaccine cover - interns

    Student

    Avant vaccine cover - students
  • Avant practitioner indemnity insurance


    • Yes. Avant’s Practitioner Indemnity Insurance Policy is designed to cover you subject to the full terms, conditions and exclusions of the policy.

      You are covered for healthcare that is consistent with your qualifications and experience.

      Please ensure that you notify us of any incidents that you believe may become a claim in the future.


    • Generally, no, you do not have to tell Avant if you are administering the COVID-19 vaccine, except in one situation.

      You do need to tell us if:

      • You usually work in the public system, and
      • You are administering the vaccine to private patients outside the public system.

      In this case, you need to ensure that you have cover for healthcare in private practice noted on your policy.

      If you are employed in the public system, including medical students and interns/RMO (PGY2), we understand that indemnity will be provided by your employer under one of the state indemnity schemes. You don't need to tell us if you are vaccinating public patients within your usual hours.

      If you work in the public system other than as an employee, you should check whether your workplace will provide indemnity.

      Otherwise, if you work in private practice or you are indemnified by your public system workplace, you do not need to tell us that you are administering the COVID-19 vaccine. You are covered for healthcare that is consistent with your qualifications and experience. Cover is subject to the full terms, conditions and exclusions of your Avant Practitioner Indemnity Insurance Policy.


    • Yes, subject to the full terms, conditions and exclusions of the policy.

      Your Avant Practitioner Indemnity Insurance Policy provides cover if you are providing healthcare outside of your usual workplace, provided that you have informed us of your private billings.

      Please be aware that you may need separate public liability cover in some instances. Feel free to contact us to discuss.


    • Yes.  Avant’s Practitioner Indemnity Insurance Policy  covers you for any patient complaints which arise if you were unaware that the vaccine fridge was not working properly.

      For your practice machinery breakdown to be covered, you would need to consider an  Avant Business Insurance Policy . Please contact us if you would like to know more about this. Also, note cover is otherwise subject to the full terms, conditions and exclusions of your Avant Practitioner Insurance Policy.

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    Avant practice medical indemnity insurance


    • Yes. Your  Avant Practice Medical Indemnity policy  will cover the practice and its medical staff if they provide healthcare services away from the practice. This cover does not extend to medical practitioners as their personal indemnity insurance would cover this.

      Please be aware that you may need separate public liability cover in some instances, feel free to contact us to discuss. Also, note that cover is otherwise subject to the full terms, conditions and exclusions of your Avant Practice Insurance Policy.

    • Your  Avant Practice Medical Indemnity policy  provides cover for patient complaints which arise in this situation provided you were not aware that the vaccine fridge was not working properly. Please note that cover is otherwise subject to the full terms, conditions and exclusions of your Avant Practice Insurance Policy.

      However, there is no cover for the machinery breakdown itself through your practice policy. For this to be covered, you would need to consider an  Avant Business Insurance Policy . Please contact us if you would like to know more about this.

    • Yes. Avant’s Practice Medical Indemnity policy provides cover for your practice should a patient complaint arise regarding the staff member unintentionally passing COVID-19 to a patient.

      Also, note that cover is otherwise subject to the full terms, conditions and exclusions of your Avant’s Practice Insurance Policy.

      It is important that you confirm if you have adequate public liability cover in place to protect the practice in these situations.

      We also recommend that our practices endeavour to follow the advice of government, their places of work, relevant professional bodies, colleges and societies, as well as peak decision-making bodies like the Australian Health Protection Principal Committee.


    • Yes.  Avant’s Practice Medical Indemnity policy  provides cover for a patient complaint against the practice. Please contact us for information and advice for best ways to manage this situation within your practice as we have numerous support services available to you.

      Also, note that cover is otherwise subject to the full terms, conditions and exclusions of your Avant Practice Insurance Policy.

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    COVID19: general indemnity issues: are you covered?

    Avant practitioner indemnity insurance


    • For patients treated in a public setting, your employer typically provides indemnity.

      We suggest you ensure that you are employer indemnified for any public work as this is not usually covered by your medical indemnity policy which is mainly for private practice.

      If you do not have cover from your employer for your public work, please contact us so that this cover can be arranged.


    • You should only provide healthcare you are appropriately qualified and trained to do. Ahpra has provided the following information about medical practitioners being fast tracked into new roles in responding to the COVID-19-19 crisis:

      We are being asked a range of questions about how the National Boards would respond to requests for changes to the way that we register individuals in the context of managing the health sector impacts of COVID-19.

      As an overriding principle, the National Boards and A are prepared to be flexible in our approach although safety remains our first priority.

      In this context, we are considering how our regulatory requirements can adapt to emergency health service needs and support health service delivery while continuing to protect the public.

      Avant will continue to rely on and recognise the regulators’ assessments of appropriate qualification to act. To ensure you are covered you should only provide healthcare where you are qualified and maintain your insurance coverage.

      You should maintain coverage with us that is appropriate for your practice and, if you are considering changing your area of practice, please check if your existing category or practice includes the new work you are undertaking.

      If you are still unsure or need to change category, please contact us on 1800 128 268.

       


    • Generally, the treatment of a public patient is state indemnified.

      Currently there is not a clear position on how the state insurer indemnity will operate for public patients in a private facility.

      Avant wants you to be able to practise with confidence and can confirm your current policy will cover you for healthcare provided to all patients in private hospitals where you are not indemnified by the state, the hospital or another insurer, provided you declare your private billings for this work.

      Coverage is subject to the full terms, conditions and exclusions of the policy.


    • Yes. If you are an Avant member and a doctor in training, you are covered for the healthcare you provide in private practice where:

      • it forms part of your training program; or
      • it falls outside your training program, but it is consistent with your qualifications and experience.

      You are also covered for volunteer work that is consistent with your qualifications and experience.

      Cover is subject to the full terms, conditions and exclusions of the Avant practitioner policy.

      If you are employed by a hospital/or health service, you will generally be indemnified by your employer for the work that you do, including for compensation claims.

      However, not all employers cover the expenses for legal advice and representation for employment disputes, training disputes and coronial matters, amongst other things. It is important that you know whether you have the cover that you need through your employer. If you would like to find out more, please contact Avant Member Services on 1800 128 268.

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