Maintenance is planned for the Medical Indemnity member login between 8:00pm Friday, 8 November and 9:00am Monday, 11 November. For any medico-legal enquiries, please call 1800 128 268. We appreciate your patience at this time and apologise for any inconvenience caused.

Maintenance is planned for the Medical Indemnity member login between 8:00pm Friday, 8 November and 9:00am Monday, 11 November. For any medico-legal enquiries, please call 1800 128 268. We appreciate your patience at this time and apologise for any inconvenience caused.

Exclusive Life Insurance Offer

Apply for cover by 31 December, and if accepted, receive a $500 eGift Card*

Here's how it works

  1. Compare. Enter your cover preferences in the Doctors' LIST to get an instant shortlist of leading life insurance policies that may be available for you. 
  2. Select. Having compared products, select the one that's right for you and your family. 
  3. Apply. It's fast and easy to apply over the phone - we'll take care of the rest.

At Avant, we’ve done the hard work for you by searching the market for life insurance providers that offer products we think doctors will value and added these to the LIST. Only those that met our strict criteria made the LIST. Making it easy for you to compare, select and apply for life insurance cover.

Not sure how much cover you need?

Try the Life Insurance Needs Calculator

This calculator helps provide an estimate of what you may currently need for life insurance, critical illness, total and permanent disablement (TPD) and income protection.

How did the providers we selected make our LIST?

Sickness and Injury

We looked for life insurance products that include cover for injury or sickness related to past sicknesses or injuries, as long as they are disclosed and accepted by the insurer at the time of application.

Terminal Illness

We looked for life insurance products that offer a 12- or 24-month terminal illness benefit.

Future Insurability

We looked for life insurance products that provide the option to increase cover based on the occurrence of a defined event, without the need to undergo further medical underwriting.

Medical Advancements

Some life insurers in the industry offer policies that provide a guarantee to recognise other more advanced tests or treatments should medical advancements occur when assessing a claim. This was considered as part of our selection criteria and ensures that defined Trauma Cover medical conditions remain up to date.

Pricing

Different life insurance providers offer discounts or packaging options depending on the type of cover taken. These were taken into account within our selection criteria.

Underwriting Process and Standards

We considered turnaround times for applications, along with requirements for financial and medical details that form part of the underwriting process at time of application.

Insurance needs of doctors at different life and career stages

We have created a convenient guide which highlights the insurance options for you to consider based on the risks you might want to protect yourself against at different stages in your professional medical career and personal life.

Life Cover

Protecting your future. In the event of death or terminal illness, Life Cover can provide a lump sum benefit.

Income Protection Cover

When illness or injury prevents you from working in your occupation or any occupation, Income Protection Cover supports you by paying a monthly benefit.

Life Cover

Protecting your future. In the event of death or terminal illness, Life Cover can provide a lump sum benefit.

Total and Permanent Disablement (TPD) Cover

When an illness or injury permanently prevents you from working in your occupation or any occupation, TPD Cover can provide a lump sum benefit.

Income Protection Cover

When illness or injury prevents you from working in your occupation or any occupation, Income Protection Cover supports you by paying a monthly benefit.

Life Cover

Protecting your future. In the event of death or terminal illness, Life Cover can provide a lump sum benefit.

Total and Permanent Disablement (TPD) Cover

When an illness or injury permanently prevents you from working in your occupation or any occupation, TPD Cover can provide a lump sum benefit.

Trauma Cover

If you suffer from one of the listed major health events, Trauma Cover can provide you with the financial resources to make lifestyle or career adjustments to help you recover.

Income Protection Cover

When illness or injury prevents you from working in your occupation or any occupation, Income Protection Cover supports you by paying a monthly benefit.

Children's Cover

If your child suffers a serious illness, injury or major health event, Children’s Cover can provide you with the financial resources to ensure you or your family can be there for your child and still provide for your family.

Life Cover

Protecting your future. In the event of death or terminal illness, Life Cover can provide a lump sum benefit.

Total and Permanent Disablement (TPD) Cover

When an illness or injury permanently prevents you from working in your occupation or any occupation, TPD Cover can provide a lump sum benefit.

Trauma Cover

If you suffer from one of the listed major health events, Trauma Cover can provide you with the financial resources to make lifestyle or career adjustments to help you recover.

Income Protection Cover

When illness or injury prevents you from working in your occupation or any occupation, Income Protection Cover supports you by paying a monthly benefit.

Children's Cover

If your child suffers a serious illness, injury or major health event, Children’s Cover can provide you with the financial resources to ensure you or your family can be there for your child and still provide for your family.

Business Expense Cover

Will protect your share of the everyday costs of running your practice, if you are prevented from practising due to illness or injury.

Frequently asked questions

Since 1893, when a small group of doctors formed a mutual medical defence organisation, Avant has had one simple objective in mind, to support doctors.

Over the years, and through our in-depth understanding of doctors, we developed and offered products that have been designed with doctors in mind. In addition to professional indemnity and health insurance, we have evolved to provide members with products and services such as practice technology, life insurance, life insurance advice and lending that can support them throughout their life and career.

Over the years, we continued to adapt and reinvent our products to keep up with changes in the insurance markets and changes to the regulatory regime. But always ensuring that the products’ features and benefits were of value to doctors.

What is the Doctors’ Life Insurance Selection Tool?

That’s why since October 2021 we changed our life offering. We moved from one product offering to providing doctors a choice of products from a range of life insurance providers, whose life policies, features and benefits we think doctors will value.

The Doctors’ Life Insurance Selection Tool (LIST), is an online comparison tool that makes it easy for you to compare, select and apply for life insurance cover by putting a curated list of suitable providers at your fingertips. All you need do is go to our website, enter some information, compare the policies including their features and price and consider if one of them is right for you.

Prior to October 2021, Avant Life Insurance provided a life insurance plan directly to members. This product is no longer available to new customers but cover for existing customers remains secure under the terms and conditions it was issued.

If you have one of these policies and would like to discuss your insurance, make changes to your cover or have any questions, please contact one of our Avant Life Insurance consultants on 1800 128 268.

Avant Life Insurance (Avant) is a registered business name of Doctors Financial Services Pty. Ltd. ABN 56 610 510 328 (DFS), a wholly owned subsidiary of the Avant Mutual Group. Avant Life Insurance products are issued by NobleOak Life Limited ABN 85 087 648 708 AFS Licence Number 247302 (NobleOak). All general insurance is issued by Avant Insurance Limited ACN 003 707 471 AFS Licence Number 238765 (Avant).

DFS provides administration services on behalf of NobleOak in respect of life risk insurance policies previously issued by NobleOak and administration services on behalf of Avant in respect of general insurance policies previously issued by Avant.

Doctors Financial Services (DFS) provides both general and personal advice. The Doctors’ LIST service only provides general advice.

General advice does not consider your objectives, financial situations or needs. You should consider whether the product is appropriate for you and the Product Disclosure Statement and Target Market Determination for the relevant product before deciding to purchase or continuing to hold a policy or plan.

The Doctors’ LIST service is only available to doctors and partners of doctors.

The level of life insurance cover you need will vary based on your individual circumstance. Tools such as the Avant Life Insurance Needs Calculator may help guide you on how much cover you should consider. Or you can speak with an Avant Life Insurance Adviser.

Doctors Financial Services is part of the Avant Group who has been protecting doctors for over 130 years. Our vision is to be the most trusted professional partner in supporting doctors throughout their lives and careers.

We understand that sometimes we go through difficult phases in our lives where we may need additional assistance and care. And that everyone’s individual situation and circumstances are different.

Experiencing vulnerability?

Vulnerability can come in many unique forms. This includes illness, poor mental health, aging, loss of income, and changes in community, family or personal circumstance. Other factors such as the loss of a loved one, disability, financial distress, and language or literacy barriers can also present challenges.

We are committed to taking extra care to support our vulnerable customers and to treating you (and your family, carer or support person) with empathy, compassion and respect.

If you’re in need of extra assistance, we have information, tools and services that you may find helpful.

What can you do if you're experiencing financial hardship?

Unplanned events can leave you in a financial position that you didn’t expect. These may include:

  • injury or illness
  • unexpected changes in income or expenditure
  • a relationship breakdown or death in the family
  • a natural disaster such as floods or fire
  • situations of family and domestic violence

If you require support or assistance during this time, please don't hesitate to get in touch with our Customer Service team on 1800 128 268. We can talk you through the options that may be available to help you through a difficult time. Or, you may wish to speak with your financial adviser.

If you have Avant Life Insurance, we may be able to help with:

  • reviewing your benefits or the amount of cover you have to reduce your premium
  • assisting you to make changes to your policy
  • discussing different payment options.

You may need to provide supporting documentation to assist with your application.

What other support is available?

A range of free external support services are available to all Australians facing challenging personal circumstances and in need of help.

Doctors Financial Services Family and Domestic Violence Policy

If you, or your family are in immediate danger always call 000.

1800RESPECT

National 24-hour domestic and family violence and sexual assault line

Call 1800 737 732

Website

Lifeline

24/7 counselling and referral service for people in a crisis

Call 13 11 14

Website

Beyond Blue

24/7 support to people experiencing anxiety or depression

Call 1300 224 636

Website

National Relay Service

Help if you are deaf or find it hard hearing or speaking with people who use a phone

Call 1300 555 727

SMS relay number 0423 677 767

Website

13Yarn

A confidential 24/7 helpline service with Lifeline-trained Aboriginal & Torres Strait Islander Crisis Supporters

Call 13 92 76

Website

MensLine Australia

24/7 support, information, and referral service for men with family and relationship issues

Call 1300 78 9978

Website

National Debt Helpline

A free, confidential service to help people in financial difficulty

Call 1800 007 007

Website

Drs4Drs

Drs4Drs promotes the health and wellbeing of doctors and medical students across Australia

Call 1300 374 377

Website

TIS National

The Translating and Interpreting Service is provided by the Department of Home Affairs for people who do not speak English and for agencies and businesses that need to communicate with their non-English speaking clients.

(24 hours, every day of the year)

Immediate phone interpreting Within Australia 131 450 Outside Australia +613 9268 8332

Disclaimers

IMPORTANT: 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 this advice as well as the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision to acquire a financial product. 

The life insurance products presented on the Avant Life Insurance Selection Tool (LIST) should not be regarded as representative of all life insurance products that may be available to you. The selection is for illustration purposes only and should not be regarded as an endorsement or recommendation by Avant Life Insurance to take out any of the life insurance policies presented, as we have not considered any of your objectives, financial situation or needs in providing you with these estimated premiums. The LIST can be used to obtain an estimate of premiums for the life insurance products compared. The provision of estimated premiums does not constitute an offer of insurance. Avant Life Insurance is not able to bind any insurer or ensure that any insurer sells any product to you. Accordingly, nothing on this website amounts to an offer by us or any insurer to sell any product to you or enter into any contract with you. 

The LIST compares the prices and some of the features of the life insurance products. However, it does not compare all of the features or benefits of each product, nor the relevant policy coverage, which should be considered before making any decision. When reviewing a product you should consider whether the product is appropriate for you and read the relevant PDS and TMD before deciding to purchase or continuing to hold a policy or plan. The PDS and TMD for each product are available by contacting us on 1800 128 268. Before using the LIST you should read our Financial Services Guide for detail about who we are, how we are remunerated and how the LIST works. Information on this website does not constitute legal or professional advice, and is current as at the date of initial publication. 

This service 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).

 Campaign T&Cs:

*Terms and conditions: The promoter is Doctors Financial Services Pty Ltd ABN 56 610 510 328 AFS Licence Number 487758 (DFS) trading as Avant Life Insurance. This webpage and its contents do not constitute an offer of insurance or any financial product and any application for insurance is subject to the insurer’s acceptance. To be eligible for an eGift Card a customer must apply for any of the products listed on the ‘Avant Life Insurance’ Selection Tool (LIST) with an annual premium payable over $2,000 between 1 October and 31 December 2024 and be accepted for cover and have cover in force no later than 31 March 2025 (subject to acceptance by the chosen insurer on The LIST). One eGift card to the value of $500 will be issued per eligible life insured, following the policy being in-force for a minimum of 12 weeks. eGift Cards are not redeemable for cash. This promotion is not available with other offers and does not apply to plan upgrades. To the fullest extent permitted by law, Avant reserves the right to change or cancel this promotion at any time. To the extent not excluded by law, the promoter excludes all liability for loss or damage in relation to this promotion.

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