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  • Avant Practitioner Indemnity Insurance
    frequently asked questions



  • What does the Avant practitioner indemnity insurance policy* cover?

    Avant practitioner indemnity insurance offers up to $20 million cover for your civil liability, including legal defence costs arising from the healthcare you provide. It also includes up to $2 million cover for registration and disciplinary matters, and coronial inquests.

    See more here.

    *IMPORTANT: Practitioner indemnity insurance products available from Avant Mutual Group Limited ABN 58 123 154 898 are issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765. The information provided here is general advice only. You should consider the appropriateness of the advice having regard to your own objectives, financial situation and needs before deciding to purchase or continuing to hold a policy with us. For full details including the terms, conditions, and exclusions that apply, please read and consider the policy wording and product disclosure statement, which is available at avant.org.au or by contacting us on 1800 128 268. The offer of retroactive cover is subject to exclusions, terms and conditions of the policy, and could include an additional premium.


    How can I apply for Avant membership and an Avant practitioner insurance policy?

    To join Avant simply:
    To be eligible for an Avant Practitioner Indemnity Insurance Policy, you must also be a member of Avant Mutual. Avant members have exclusive access to award-winning Avant Law, Australia’s largest in-house medico-legal firm. Further, members receive assistance whenever they need it from the Medico-legal Advisory Service team of 118^ lawyers, advisers and claims managers who provide expert advice. Also, having 18^ doctors on staff means members get the support and understanding only a peer can provide.

    Avant membership is subject to a membership fee that will be provided when you apply for or renew your membership and practitioner insurance policy with us.

    ^accurate as at 23/02/2021 and 16/02/2021 respectively.


    How much does the Avant practitioner indemnity insurance policy cost?

    We pride ourselves on offering competitive stable premiums and keeping them stable is core to the Avant ethos. Our size and financial strength enables us to achieve this.

    When calculating your premium, we consider several factors, including:
    • your category of practice;
    • your gross billings;
    • any optional covers selected or amendments to the standard cover that are requested;
    • the states or territories where you practise;
    • your claims history;
    • the commencement date of your retroactive cover or run-off period;
    • any specific factor which increases risk; and
    • any special discounts or loadings including a risk surcharge.

    If applicable, the risk surcharge will be included in accordance with the Medical Indemnity Act 2002 (Cth).

    You can also view more information in our ‘Guide to premiums and claims payments‘ booklet.

    To get an estimate for your practitioner indemnity insurance complete our quick quote form or call us on 1800 128 268.


    What is the difference between practitioner and practice medical indemnity insurance?

    A practitioner indemnity insurance policy is designed to protect the interests and needs of the doctor. It provides cover for civil liability claims made against the doctor personally, for example, when there is a claim for compensation against a doctor by their patient in relation to healthcare provided. It also includes cover for the legal costs to defend the doctor at inquiries by a registration board, tribunal or complaints body for complaints.

    Find out more about Avant Practitioner Indemnity Insurance here.

    On the other hand, a practice medical indemnity insurance policy is designed to protect the practice itself. The policy offers broad protection for the practice entity and its staff for healthcare services provided by the practice. A practice policy will not cover doctors employed by the practice (they must have their own indemnity), but it will protect the practice against a claim it is brought into because of the actions of an employed doctor. This policy will also protect the practice against matters such as privacy breaches, telehealth and employment disputes.

    Find out more about Avant Practice Medical Indemnity Insurance here.


    Tell me about the Avant Medico-legal Advisory Service. How can I contact them?

    Access to expert advice through the Avant Medico-legal Advisory Service, whenever a risk or issue arises, is highly valued by members. Many urgent matters require attention outside business hours. Therefore, Avant advisers are on call every day of the year, providing 24/7 support for members and practices in emergencies.

    Advisers include solicitors, case managers and medical specialists. They are based in our Adelaide, Brisbane, Canberra, Melbourne, Perth and Sydney offices. For medico-legal advice or support, visit the Medico-legal Advisory Service webpage or call 1800 128 268.


    How do I notify Avant of an incident?

    Please download and submit an incident notification form, and email it to nca@avant.org.au or fax to 1800 228 268.

     
  • Join Avant today and start benefiting immediately.