As Australia's largest mutual, not-for-profit organisation, we have a proud heritage of protecting and supporting the medical profession that spans over 125 years. Having members at our core means we are uniquely placed to understand your specific needs as a doctor. Everything we do is driven by these needs with the aim to support doctors throughout their career.
We cover you in case you're sued by a patient or another person because of the healthcare you provided. You are also covered for lawyers to defend you in the case and legal costs of the other side (if you're ordered to pay those too). Cover is up to $20 million.
We defend you in front of AHPRA, the Medical Board and the Coroner when your practice is being examined. We also support you through investigations by your state's health complaints entity and the criminal courts. Cover is up to $2 million.
In the unfortunate event that you contract a communicable disease such as hepatitis C, hepatitis B, HIV, extremely drug-resistant tuberculosis (XDRTB), multi-drug resistant tuberculosis (MDRTB) or New Delhi metallo enzyme enterococci (NDM-1), we'll pay a lump sum of $250,000 to help you either retrain or alter your practice, or to assist you financially if you choose to retire.
We'll cover you, where permitted by law, if you are fined by a government regulator for a breach of privacy, consumer protection, environmental or workplace health and safety laws. We will also cover you for any notification costs for privacy breaches. Cover is up to $250,000.
Employment disputes can be stressful, so it's good to know that Avant will help you defend a matter from the ground up, or even pursue a matter against your employer (including when you're a visiting medical officer). Cover is up to $175,000 (subject to joint contribution).
You come into contact with Medicare and private health funds a lot as a doctor, so it's good to know that Avant will assist you with an audit or an investigation by either of these sorts of organisations. Cover is up to $2 million.
Mistakes happen, and you might inadvertently not notify us of a claim or circumstance in the right year. If you've remained continually insured with Avant, we will still cover you.
We understand that as a doctor you have the opportunity to take your skills abroad, so it's good to know that Avant will cover you for healthcare that you provide anywhere in the world (excluding the USA). Cover is valid for less than 120 days and less than 2 years if in a training program. Please read the policy wording for full cover information.
This cover is optional. Under this cover, you may be reimbursed for your out of pocket expenses relating to travel and accommodation and also your loss of earnings, if you have to be off work to attend a legal matter you're involved with.
We'll support you if you're having trouble being indemnified by another organisation, like your employer, a hospital or an area health service, which you have an agreement with to indemnify you. Cover is up to $500,000.
^Cover is subject to the full terms, conditions and exclusions of the policy.
Dr Fiona Langdon, O&G, Avant member since 2016