The Premium Support Scheme

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Dr Fiona Langdon
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The Premium Support SchemeAm I eligible?Calculate your eligibilityThings you need to knowImportant Documents

The Premium Support Scheme

The Premium Support Scheme (PSS) is an Australian Government scheme that helps you with the costs of your medical indemnity insurance. If you are eligible, you may receive a significant reduction in your practitioner indemnity insurance premium charged by Avant.

Am I eligible?

You may be eligible to participate in the Premium Support Scheme if;

  • you are a medical practitioner and your gross medical indemnity cost (GMIC) (insurance premium) is more than 7.5% of your annual gross private billings or;
  • you are a Procedural General Practitioner practising in an area that is classified as a Modified Monash Model (MMM) 3-7. For information on MMM visit Department of Health and Aged Care website or;
  • you are a medical practitioner working in the public sector and do not generate private practice billings, but you incur costs to maintain cover for claims arising from past private practice or;
  • you are working primarily in the public sector, but you have cover for private practice services that you are not indemnified for under a right to private practice agreement, and your gross billings for these services are greater than $1,000 during the premium period.

Calculate your eligibility

You will need your annual gross private billings. These are the amounts you charge for the healthcare you provide before any apportionment or deduction of expenses and/or tax, during a policy period.  Refer to page 34 of the Category of Practice Guide to help you calculate this.

You will also need your annual gross insurance premium. This is the amount on your practitioner indemnity insurance tax invoice before any deductions or taxes. Do not include any high-risk loadings and optional cover you may be charged.

This is an estimate and doesn’t take into consideration individual circumstances. Please contact us for a quote.

If you work in the public system and do not generate private practice billings, but incur costs to maintain cover for claims arising from past private practice, please contact us for a quote.

Please visit the Department of Health and Aged Care website to find out more about how subsidies are calculated.

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Things you need to know
  • The PSS is administered by Avant on behalf of the Australian Government.
  • Avant invites you to participate in the scheme prior to each premium renewal cycle.
  • If you wish to participate and ‘opt in’ to the scheme, you need to complete an opt in request form and provide an estimate of your annual gross private billings for the following premium period.
  • Requests are assessed and any PSS subsidy is given as a reduction on your practitioner indemnity insurance premium for the relevant period. If you have already paid your premium, then a subsidy will be paid directly to you.
  • A year after you have opted in to the PSS scheme you will be asked to provide your actual annual gross private billings for prior policy period.

Please complete an opt-in request form. To do this, you will need;

  • your estimated gross private billings for the premium period in which PSS is sought
  • details of any payments made to other insurers for run-off cover or retroactive cover in the premium period for which PSS is sought
  • your Medicare provider number; and
  • your practice address.

Important documents

PSS terms and conditionsPDF, 116 KB
PSS request form - 2024-25 financial yearPDF, 110 KB
PSS request form - 2024 calendar year renewalsPDF, 105 KB
PSS request form - 2023-24 financial yearPDF, 111 KB
PSS request form - 2023 calendar year renewalsPDF, 99 KB
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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.