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    Avant TPD Cover

    What is TPD Cover?

    When an illness or injury permanently prevents you from practising in your own speciality, Avant TPD Cover provides a lump sum benefit. When you have a family, the certainty of knowing you'll be covered can be even more important.

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    Doctor specific insurance benefits

    Up to $5 million cover if you can never work in your own specialty again  
    Full benefit paid for occupationally contracted HIV, hepatitis B or C  
    TPD Cover for 24 hours a day, anywhere in the world  

    Things to consider when taking out TPD Cover

    Tailored to suit your needs


    • Choose to have cover up to $5 million cover if you can never work in your own specialty again. A full benefit is payable for occupationally contracted HIV, hepatitis B or C.
    • Up to $500,000 advance payment if you lose a limb or sight in one eye (total and irrecoverable, in both cases).
    • In the event of financial hardship, you have the option to suspend premiums for up to 6 consecutive months. During this period, you do not have to pay premiums but cannot claim for events that occur during this period of premium suspension.


    • Larger insurance cover increases, more often and without the need for medical tests. Flexibility to increase your cover by up to 25% every year for things such as starting an internship or training program, qualifying as a fellow in your specialty, becoming a partner, or starting a practice, having children or taking out a mortgage.
    • If your TPD Cover is reduced due to a full claim being paid on a linked Trauma plan, it will be automatically reinstated after only six months.
    • World wide cover – Your TPD Cover plan will cover you 24 hours a day, anywhere in the world.

    Simple Options

    • Choose between $50,000 and up to $5 million on your TPD Cover.
    • Your choice of stepped or level premiums.
    • Option to pay premiums through your self-managed superannuation fund where cover is taken under superannuation.
    • A range of ownership options to suit your circumstances including self-ownership, ownership by partners in your practice, another individual, a company or trust.

    Eligibility for TPD Cover

    Avant Life Insurance is available only to registered medical practitioners. If your spouse is a doctor they can also get cover. If your spouse is not a doctor AFS can help by recommending another life insurance provider.


      To be eligible for TPD Cover, at the time of application you must be:

    • an Australian Resident
    • aged between 20 to 60 years old, and
    • a registered medical practitioner.
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    Existing user? Log in to get a quote  

    For full terms, conditions, limitations and eligibility please refer to the Avant Life Insurance Product Disclosure Statement which is also available by calling us on 1800 128 268 or emailing us at avantlife@avant.org.au. Alternatively, schedule an appointment with one of our advisers.