Frequently asked questions

Avant Practitioner Indemnity Insurance

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.

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.

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.

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.

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.

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.

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NSW State Office AddressLevel 6, Darling Park 3, 201 Sussex Street, Sydney NSW 2000
Telephone 02 9260 9000 | Facsimile 02 9261 2921

Mailing addressPO Box 746 Queen Victoria Building NSW 1230

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In the spirit of reconciliation, Avant acknowledges the Traditional Custodians of Country throughout Australia, and their connections to land, sea and community. As a national organisation, we pay our respects to Elders past and present, of the lands on which we gather and work, and extend that respect to all Aboriginal and Torres Strait Islander peoples.

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.