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Win Back the value of your AHPRA Fees (SA/NT) Terms and Conditions

Winner: Dr Christina Rajamanickam

1. Introduction

  1. The promoter of the 'Win back the value of your AHPRA fees (SA/NT) promotion’ (“Promotion”) is Avant Mutual Group Limited (ABN 58 123 154 898) (“Avant”) of Level 6, Darling Park 3, 201 Sussex Street, Sydney, NSW 2000 (“Promoter”). These terms and conditions ("Terms and Conditions"), as updated from time to time, govern the Promotion.

2. Who can enter?

  1. To enter, you must be over 18 years of age and a prospective Doctor-in-Training member of Avant Mutual Group Limited ACN 123 154 898 (“Avant Member”) based in South Australia or Northern Territory.
  2. Directors and employees of the Promoter and its related bodies corporate (as that term is defined in the Corporations Act 2001(Cth)) (“Related Bodies Corporate”), and immediate family members of each of these persons are ineligible to enter.

3. Promotion Dates

  1. The Promotion will commence at 12:01am AEST on 1 August 2023 and close at 11:59pm AEST on 31 December 2023 (the “Promotion Period”).

4. How to Enter

    1. The Promotion is free to enter.
    2. To enter you must submit or have submitted an application to become a Doctor-in-Training Avant member between 1 July 2023 and 31 December 2023.
    3. Any applicants that applied to become a Doctor-in-Training Avant member from the 1 July 2023 until the end of the Promotion Period and satisfy the eligibility criteria are automatically entered into the draw.
    4. Each person submitting their details and satisfying the requirements will automatically have their name entered into the draw. Entries received outside the Promotion Period will not be considered.
    5. Only one entry is permitted per Avant Member.
    6. Incomplete or illegible entries will be deemed invalid.

5. Prizes

    1. There is 1 prize to be awarded, consisting of a $900 AUD Flexi eGift Card. The total prize pool is valued at $900 including GST.
    2. Each entrant can win a maximum of one prize.
    3. The prize terms are as follows:
      1. the $900 Flexi eGift Card is valid for redemption 3 years from when the electronic gift card email is sent. Each retailer has their own expiry terms and conditions;
      2. Flexi eGift cards are not redeemable for cash. For more terms and conditions, visit www.giftpay.com.au;
      3. there is no cost involved with the winners claiming their prize;
      4. no bonus prizes will be awarded;
      5. Promoter is not liable for any loss, damage or injury suffered (even if caused by negligence) as a result of accepting and/or using a prize, except for any liability which cannot be excluded by law;
      6. the winner should look to the manufacturer of the prize for all warranties. However, these terms and conditions do not exclude or limit the application of any statutory provision (including a provision of the Competition and Consumer Act 2010 (Cth)) where to do so would contravene that statute or cause any part of these terms and conditions to be void;
      7. each prize must be taken as is and no compensation will be payable if a winner that is awarded a prize is unable to use the prize as stated. It is a condition of accepting a prize that the winner accepts the conditions of use of that prize; and
      8. Prizes are not variable or transferable. Prizes are not redeemable for cash. The Promoter’s decisions will be final and binding - no correspondence will be entered into. The Promoter accepts no responsibility for late, lost or misdirected entries or other communications.  

6. Selection of Winners

  1. Prize draw will take place at 11am AEST on 15 January 2024 at the Sydney office of Avant, at Level 6, Darling Park 3, 201 Sussex Street, Sydney NSW 2000. The first entry randomly drawn will be awarded a prize.

7. Notification of Winners

    1. Winners will be notified by telephone or email within two days of the draw and will be published on the Avant website.
    2. Prizes will be delivered to the winner’s email address as held in the Avant member database or as notified by the winner, as agreed between the winner and the Promoter.
    3. The Promoter reserves the right to request verification of identity, residential address of winners and any other information relevant to the entry. Any requirements regarding verification will be at the Promoter’s discretion.

8. Unclaimed Prizes

  1. If necessary, a second chance draw will be held at 11am AEST on 15 April 2024 at the Sydney office of Avant, at Level 6, Darling Park 3, 201 Sussex Street, Sydney NSW, in order to distribute prize that has not been claimed within 30 days. Winners will be notified by telephone or email within 2 days of the draw and will be published on the Avant website.

9. Publicity

Entrants acknowledge that it is a condition of taking the Prize that all winners agree to promotional activities, including the use of their names and images without additional compensation.

10. General

    1. All entrants indemnify the Promoter and its Related Bodies Corporate against all liability, cost, loss or expense arising out of accepting the prize or participation in the promotion, including but not limited to loss of income and personal injury.
    2. Entries remain the property of the Promoter and its Related Bodies Corporate. Details from entries (including personal information) may be collected and used by the Promoter for the purposes of conducting the Promotion, providing services to you (including marketing and promotion), conducting the Promoter’s business, communication to you and complying with the law. If you don’t provide this information the Promoter may not be able to register you for the prize draw or provide services to you. The Promoter may disclose your personal information to contracted service providers as reasonably necessary to facilitate the draw. For more information on how to access or correct your personal information held or to make a complaint, please read the Promoter’s Privacy Policy or contact the Promoter’s Privacy Officer at privacy@avant.org.au. By participating in the Promotion, entrants consent to the use of their information as described.
    3. Disputes concerning the Promotion will be resolved by the Promoter at its sole discretion, acting reasonably and with regards to the spirit of the Promotion.
    4. The Promoter reserves the right to change these Terms and Conditions at any time for the purposes of facilitating the continued operation of the Promotion, subject to any regulatory approval required before doing do so.
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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

Connect with Avant

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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.


*Terms and conditions

1. The waiver of establishment fee and discounted rate is only available for eligible business equipment loans. The discounted rate applies for 6 months only and is applied as a 0.65% discount against the applicable variable rate for that loan type. The current rates after the discount is applied are 6.59% for cars and 6.89% for equipment. If the applicable variable rate changes during the 6 months, the reduction will be applied to the new rate for the relevant remaining period. After the 6-month discount period, the variable rate will be the rate determined in accordance with the loan agreement and notified by us.

2. The offer is only available if your loan application is approved between 1 November and 31 December 2024 and settled before 31 March 2025.

3. The establishment fee waiver only applies to the establishment fee for the eligible business equipment loan. All other fees and charges (including any other applicable upfront loan fees and charges) will still be payable. Our standard loan terms and conditions will also apply.

4. This offer is not available in conjunction with any other offer.

5. This offer may be varied or withdrawn at any time. Approval of any loan is subject to standard credit assessment and is at our complete discretion.