Doctors in training
Professional indemnity insurance
The indemnity insurance your hospital provides for training doctors/junior doctors may not cover you in all circumstances. We provide professional indemnity insurance for medical practitioners like you and we're backed by the largest specialist medico-legal team in Australia. Your first experience of a medico-legal incident can be extremely stressful. With Avant, you can be confident that no Australian medical defence organisation (MDO) has more expertise and resources to protect you and your career.
We cover you in case you're sued by a patient or another person because of the healthcare you provided. You are also covered for lawyers to defend you in the case and legal costs of the other side (if you're ordered to pay those too). Cover is up to $20 million.
We defend you in front of AHPRA, the Medical Board and the Coroner when your practice as a healthcare professional is being examined. We also support you through investigations by your state's health complaints entity and the criminal courts. Cover is up to $2 million.
Public Liability covers members, who are contractors, for claims, including legal costs, for personal injury or property damage, which is directly connected with your provision of healthcare while operating as a contractor on third party premises. This cover is occurrence-based, and we will cover you up to $20 million for any one occurrence.
In the unfortunate event that you contract a communicable disease such as hepatitis C, hepatitis B, HIV, extremely drug-resistant tuberculosis (XDRTB), multi-drug resistant tuberculosis (MDRTB) or New Delhi metallo enzyme enterococci (NDM-1), we'll pay a lump sum of $175,000 to help you either retrain or alter your practice, or to assist you financially if you choose to retire.
We'll cover you, where permitted by law, if you are fined by a government regulator for a breach of privacy, consumer protection, environmental or workplace health and safety laws. We will also cover you for any notification costs for privacy breaches. Cover is up to $250,000.
Employment disputes can be stressful, so it's good to know that Avant will help you defend a matter from the ground up or even pursue a matter against your employer (including when you're a locum or visiting medical officer). Cover is up to $175,000 (subject to joint contribution).
We understand that as a doctor you have the opportunity to take your skills abroad, so it's good to know that Avant will cover you for healthcare that you provide anywhere in the world (excluding the USA). Cover is valid for less than 120 days and less than 2 years if in a training program. Please read the policy wording for full cover information.
You've worked hard to get into your training program, so we want to support you by covering the cost of lawyers if you have a dispute with your training college. Cover is up to $500,000.
This cover is optional. Under this cover, you may be reimbursed for your out of pocket expenses relating to travel and accommodation and also your loss of earnings, if you have to be off work to attend a legal matter you're involved with.
We'll support you if you're having trouble being indemnified by another organisation, like your employer, a hospital or an area health service, which you have an agreement with to indemnify you. Cover is up to $500,000.
^Cover is subject to the full terms, conditions and exclusions of the policy. Sub-limits apply. A maximum of $20 million will be paid in a single policy period.
Policy & other documents
For cover with a policy period start, or renewal date on or after 1 July 2025 select:
For cover with a policy period start, or renewal date on or after 1 July 2024 select:
For cover with a policy period start, or renewal date from 1 January 2024 to 30 June 2024 select:
Other important documents:
What Avant members say about us
I wanted to be with a MDO that is professional and could provide me with advice readily and solutions to issues – big or small.
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IMPORTANT: Professional indemnity insurance Policy available from Avant Mutual is issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765 (Avant). tPrivate health insurance products are issued by The Doctors Heath Fund Pty Ltd, ABN 68 001 417 527. * The information provided in this material 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 this advice as well as the Product Disclosure Statement and Target Market Determination before making a decision to acquire a financial product. You should also read our Financial Services Guide for detail about who we are, how we are remunerated and how our Doctors Life Insurance Selection Tool (LIST) works. For further important information please see Avant - Life insurance for doctors . The LIST is provided by Avant Life Insurance. “Avant Life Insurance" is a registered business name of Doctors Financial Services Pty Ltd ABN 56 610 510 328 AFS Licence Number 487758 (DFS). ~Not all members are eligible for an LRP reward. Members not eligible include medical students, interns, RMOs and DITs and members who have their professional indemnity policy purchased on their behalf under a corporate group arrangement. However, membership years as an intern, RMO or DIT will be included in tenure calculations. The provision of an LRP reward will be determined by the Avant Insurance Board’s annual assessment of the quality of Avant’s financial performance. #Unlimited private practice when it forms part of the training program. ##Cover for surgical assistance to a FRACS qualified surgeon that is consistent with your qualifications and experience.