Avant Life essentials - Avant

Retirement Reward Plan
The Retirement Reward Plan is a unique benefit program that allows us to return surplus capital to eligible members.
Loyalty Reward Plan
Our way of saying thank you for your loyalty through a deduction from their premium according to length of tenure.
Advocacy
Representing the interests of our members and advocating for quality, safety and professionalism in medical practice.
Avant member grants
Avant supports doctors at all stages of their careers by providing funding to improve quality, safety and professionalism in the practice of medicine.

About us
A 130-year history of being a trusted partner in supporting doctors.
Sustainability
We’re taking actions for a better, more secure and sustainable future.
Governance
Avant Mutual Group, Avant Insurance and the Doctors’ Health Fund are governed by individual boards.
Partnerships
Our support for the medical profession includes partnering with medical colleges, associations and societies.
Careers
Our people are at the centre of everything we do for our members.
Foundation
Creating transformational change in healthcare through medical research, medical education and health programs.

Facts, not myths

Life & income protection

Busting nine life insurance myths

Here we dispel some common myths about life insurance to help you make informed decisions about your cover.

Ambulance image

Health insurance

Protecting you in an emergency

Living in Australia, many would expect Medicare to cover ambulance services. The reality is that in most states, calling and using an ambulance is costly, with fees being hundreds or even thousands of dollars. Even if someone else calls the ambulance for you. The good news is, having hospital cover with Doctors’ Health Fund means you’re covered if you ever need an ambulance, even if you don’t end up going to hospital.

Finance

All Avant Finance resources.

Learn how you can plan for increased interest rates and repayments.

Is now the time to refinance? 3 points you should consider

Knowledge is power for homeowners and buyers when it comes to residential property.

Knowledge is power for homeowners and buyers when it comes to residential property.

Looking at a open home

Rent, renovate or relocate?

Legal

All Avant Law resources

Is a will alone, enough?

Powers of attorney

Changes to ‘Stamp’ duty exemptions & concessions for first home buyers

Trusted experts to help with your personal legal needs.

View our other topics

Group discussion and safe space for mental wellbeing

Health and wellbeing

Planning for Retirement: what you need to know

Early career doctor essentials toolbox

Early career doctor essentials toolbox

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IMPORTANT: Professional indemnity insurance and the Practice Medical Indemnity Policy available from Avant Mutual Group Limited ABN 58 123 154 898 (Avant Mutual) are issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765 (Avant). Avant Cyber Insurance cover is available to eligible Avant Practice Medical Indemnity Policy holders up to the cessation of their policy and is provided under a Group Policy between Liberty Mutual Insurance Company ABN 61 086 083 605 (Liberty) and Avant. Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, ABN 68 001 417 527, a member of the Avant Mutual Group. Avant arranges Avant Business Insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234 708 (Allianz) and may receive a commission on each policy arranged. Avant Travel Cover is available under a Group Policy between QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239 545 (QBE) and Avant Mutual. Avant Travel Cover is underwritten by QBE and Avant may receive a benefit for arranging cover. Avant Finance is a registered business name of Avant Doctors’ Finance Pty Ltd (ACN 637 769 361) and licensed to Avant Doctors’ Finance Brokers Pty Ltd (ABN 75 640 406 784). Avant Doctors’ Finance Brokers Pty Ltd is a wholly owned subsidiary of Avant Doctors’ Finance Pty Ltd. Loan products may be provided by Avant Doctors’ Finance Pty Ltd or arranged by Avant Doctors’ Finance Brokers Pty Ltd. Credit services or assistance to which the National Credit Code applies are provided by Avant Doctors’ Finance Brokers Pty Ltd as authorised Credit Representative (Credit Representative Number 523242) for LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. Legal services are provided by Avant Law Pty Ltd ABN 63 136 429 153 (Avant Law). Liability limited by a scheme approved under Professional Standards Legislation. Legal practitioners employed by Avant Law are members of the scheme.

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 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 and Target Market Determination (TMD) which are available on this website or by contacting us on 1800 128 268. Information on this site does not constitute legal or professional advice, and is current as at the date of initial publication.

*Terms and conditions

1. The waiver of establishment fee and discounted rate is only available for eligible business equipment loans. The discounted rate applies for 6 months only and is applied as a 0.65% discount against the applicable variable rate for that loan type. The current rates after the discount is applied are 6.59% for cars and 6.89% for equipment. If the applicable variable rate changes during the 6 months, the reduction will be applied to the new rate for the relevant remaining period. After the 6-month discount period, the variable rate will be the rate determined in accordance with the loan agreement and notified by us.

2. The offer is only available if your loan application is approved between 1 November and 31 December 2024 and settled before 31 March 2025.

3. The establishment fee waiver only applies to the establishment fee for the eligible business equipment loan. All other fees and charges (including any other applicable upfront loan fees and charges) will still be payable. Our standard loan terms and conditions will also apply.

4. This offer is not available in conjunction with any other offer.

5. This offer may be varied or withdrawn at any time. Approval of any loan is subject to standard credit assessment and is at our complete discretion.