Practitioner Indemnity Insurance
Responsive cover that gives you peace of mind
More than half of Australia's doctors choose Avant
As Australia's largest member-owned medical defence organisation, Avant is more than an insurer. We provide holistic support to help you practise at your best, whether you work in public or private practice.
With 130 years of experience supporting the medical profession, no medical indemnity provider offers more resources, expertise or protection to safeguard you and your reputation.
Your membership includes more than the policy. From 24/7 medico-legal advice and financial rewards to specialist legal defence and resources shaped by real case experience, Avant is designed to support the way you practise.
Medico-legal Advisory Service
Avant's medico-legal experts are available 24/7, in emergencies, for advice to help you reduce your complaints or claims risk.
Avant Law Medical Indemnity
Australia's largest specialist in-house medico-legal team, with support across Australia.
Avant Loyalty Reward Plan
Eligible members receive a premium deduction of 4 to 12 per cent based on their tenure with Avant.
Getting Started in Private Practice Program
Eligible members starting in private practice can save on indemnity premiums over their first four years.
Insights and resources
With more doctors as members, we handle more calls and cases. This wealth of insights and experience helps us determine the best approach for your matter, to achieve a positive outcome.
Retirement Reward Plan
Dividends based on tenure paid out when you retire.
Our policy adapts as the risks facing doctors change. From emerging areas like telehealth and public liability to established cover for civil claims, disciplinary matters and employment disputes, your protection keeps pace with modern practice.
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.
Public liability covers members, who are contractors, for claims, including legal costs, for personal injury or property damage, which is directly connected with your provision of healthcare while operating as a contractor on third party premises. This cover is occurrence-based, and we will cover you up to $20 million for any one occurrence.
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.
Cover for healthcare provided using telehealth such as a video conference or phone. Cover up to $20 million.
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.
Policies with a renewal date on or after 1 July 2025
Policies with a renewal date before July 1 2025
Tools and resources
Tools and guides to assist you in getting the right cover.
What Avant members say about us
Avant offers me a high level of professional support to aid in de-risking my medical practice. The general information provided by in-house support is invaluable and any specific needs of the practitioner are addressed in a highly sensitive and well-informed manner.
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