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The Premium Support Scheme

The Premium Support Scheme is an Australian Government scheme that helps you with the costs of your medical indemnity insurance. If you are eligible, this could mean significant reductions in your practitioner indemnity insurance premium charged by Avant.

Changes to the Premium Support Scheme from 1 July 2020

There have been changes to the Premium Support Scheme (PSS) and the eligibility criteria as part of an update to streamline the medical indemnity insurance schemes.

What has changed?

  • The model used to classify whether you are ‘rural or remote’ has been updated from the Remote, Rural and Metropolitan Area (RRMA) 3-7 to the Modified Monash Model (MMM) 3-7
  • The calculation has changed for procedural General Practitioners who are classified as ‘rural or remote’ through the Modified Monash Model (MMM) 3-7 if they are performing cosmetic procedures.
How do I apply?

If you meet the below criteria then you may be eligible for a reduction on your practitioner indemnity insurance premium through the PSS.

  • Your insurance premium more than 7.5% of your annual gross billings?
  • You are a procedural General Practitioner in an area that is classified as a Modified Monash Model (MMM) 3-7?
  • You participated in the PSS scheme and were receiving a PSS subsidy on 30 June 2020 on the basis that you were practising in an area that was classified as a Remote, Rural or Metropolitan Area (RRMA) 3-7,and will continue to practise in the same area until the end of the premium period.
  • You previously received a subsidy under the Medical Indemnity Subsidy Scheme (MISS) and do you continue to work in the same specialty? Note that this eligibility criteria will cease on 30 June 2021. This may mean a subsidy will be awarded for only part of the premium period.

Please contact us on 1800 128 268 if you have any questions about the Premium Support Scheme or your eligibility for a premium reduction.

Things you need to know
  • The PSS is administered by Avant on behalf of the 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 a request and provide an estimate of your 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 premium period. If you have already paid your premium, then a subsidy payment will be made directly to you

Please complete a 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(s); and
  • your practice address.

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

  • you are a medical practitioner and your premium for medical indemnity insurance exceeds 7.5% of your gross private billings;
  • 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 website;
  • you are a Procedural General Practitioner who was eligible for a PSS subsidy payment on 30 June 2020 because you were practising in an area classified as a Remote, Rural or Metropolitan Area (RRMA) 3-7;
  • you are a medical practitioner and you previously received a subsidy under the Medical Indemnity Subsidy Scheme (MISS) and you continue to work in the same specialty. Note that this eligibility criteria will cease on 30 June 2021. This may mean a subsidy will be awarded for only part of the premium period;
  • 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;
  • 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.
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