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One size doesn’t fit all – providing GPs with the right cover

22 April 2021 | Avant Media

General practice entails a wide range of activities with some GPs choosing to perform procedures requiring further training, qualifications or experience. The mix of healthcare activities and procedures provided to patients is reflected in our categories of practice to make sure GP members’ risks are appropriately covered.

Procedural or non-procedural? That is the question

Non-procedural GPs conduct general consultations and may perform minor procedures limited to local anaesthesia and basic nerve blocks. Skin cancer checks and minor excisions are covered in this category when the GP’s skin cancer work is less than 25% of gross billings and the GP does not work in a skin cancer clinic.

GPs providing healthcare beyond this are considered as being in one of our GP Procedural categories, of which we have three:

  • Procedural standard
  • Procedural non-standard
  • Procedural obstetrics.

If you are a procedural GP, you need to select which one of these categories is most appropriate for you, depending on the procedures you perform. For example, if you practise in specialised skin cancer medicine or skin cancer clinics, you would select GP Procedural standard.

Here are some examples of procedures covered under each category:

  

More information on what is and isn’t covered under each category can be found in our factsheet

How this affects you

Your category of practice determines what healthcare you are covered for. Analysis of our claims data shows us which healthcare activities carry more risk. The procedures specifically covered under GP procedural categories (listed in the table above) are also procedures that have a higher incidence of claims. This is reflected in the insurance premium.

GPs working in rural or remote areas often provide a broader range of procedural services to support patients for whom visiting a specialist or hospital is difficult. Insurance premiums may be offset by the government’s Premium Support Scheme (PSS) so rural and remote doctors are not financially disadvantaged for offering a broader range of procedural services.  

Talk to us

Avant works hard to ensure members receive good value and fair pricing based on the level of risk. It is important to us that you have the right level of cover.

If you are unsure of what GP category you fall into and would like to ask us about it, please contact us at memberservices@avant.org.au or call us on 1800 128 268.

More resources

Avant Practitioner Indemnity Insurance Product Disclosure Statement & Category of Practice Guide (page 38)

Factsheet - What’s behind the increased GP compensation claims?

*IMPORTANT: Professional indemnity insurance products 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 PDS and Category of Practice Guide, which is available at www.avant.org.au or by contacting us on 1800 128 268.

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