Practitioner Indemnity Application Form

Before completing the application, please read the following documents.

Membership with Avant Mutual Group Limited ABN 58 123 154 89
Practitioner Indemnity Insurance with Avant Insurance Limited ABN 82 003 707 471 AFSL 238765

This application form is for Membership and a Practitioner Indemnity Insurance Policy. This is a legal document, which will form (a) the basis of the contract of insurance between the insured (you) and Avant Insurance Limited (Avant Insurance); and (b) the basis of your contract of Membership with Avant Mutual Group Limited (Avant Mutual). When reading this document a reference to ‘we’, ‘our’ and ‘us’ will mean Avant Insurance. ‘You’ and ‘your’ will mean the insured.

It is important that the information you provide is complete and accurate. If you fail to disclose material information we may be entitled to reduce our liability or avoid the contract from the beginning. Once we receive your completed application we will assess to see if you meet our underwriting criteria.

Contact details

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I'm not represented here


Privacy Notice: Avant Mutual and its related entities (Avant) collects, uses and discloses your personal information to communicate with you, conduct our business (including marketing, research and providing Avant products and services) and comply with the law. This may include disclosing information to overseas entities which are not accountable under Australian privacy laws and you may not be able to seek redress for a breach of your privacy which occurs outside of Australia. If you don’t provide your information we may not be able to assist you or provide our products or services. For more information please read our Privacy Policy at avant.org.au/privacy-policy or contact our Privacy Officer at privacy@avant.org.au. By submitting this form or otherwise providing your information you confirm that you understand, acknowledge and agree to your information being collected, used and disclosed as outlined above and in accordance with the Privacy Policy. You can contact us at any time if you have any questions or wish to change your consent.

You will receive the Product Disclosure Statement, Financial Report, Annual Report and renewal documentation electronically.
If you wish to receive these by post, please email us at memberservices@avant.org.au.

I consent to Avant contacting me electronically (including via email and SMS if you have provided your email address and mobile number). I understand that I may alter this consent at any time by contacting Avant.

You will receive the notice of Annual General Meeting and other member communications from Avant electronically to the email address you have nominated. If you wish to receive these by post, please contact us at memberservices@avant.org.au.

Please ensure that you maintain a current email address with us at all times so that we can ensure the successful delivery of communications to you. If you change address, change practice details or move overseas please let us know.


Qualifications and registration

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If you answer ‘Yes’ then you will need to provide further information in the space provided or by attaching additional information.

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Upload registration documents
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College Date membership commenced Delete

Claims, complaints, incidents or proceedings

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If you answer ‘Yes’ then you will need to provide further information in the space provided or by attaching additional information.


Upload claims documents

Medical practice

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If you answer ‘Yes’ then you will need to provide further information in the space provided or by attaching additional information.

You may be eligible for Avant's Getting Started in Private Practice discount. For more information refer to Getting Started in Private Practice. If you are eligible it will be automatically applied to your policy.

Policy detail

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Past insurance and indemnity information

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Insurer/organisation Policy period start date Policy period end date Main Reason for Joining Avant Retroactive date Delete

Practice information

Retroactive cover

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Retroactive or "tail" cover

Optional covers

You can extend your cover by requesting the Personal expenses and Interruption to earnings optional covers package.
Please note: that these are sold together as a package.

Personal expenses optional cover
If you extend your cover to include Personal expenses optional cover, your policy will cover you up to $50,000 (a maximum of $500 per day) for reasonable travel and accommodation expenses for attending a court, tribunal, inquiry, investigation, inquest, or administrative or disciplinary proceeding covered under your policy in respect of a claim or matter covered under your policy.

Interruption to Earnings optional cover
If you extend your cover to include Interruption to earnings optional cover, your policy will cover you up to $125,000 (a maximum of $2,000 per day) for lost earnings or income incurred during the policy period for attending (at Avant’s request) a court, tribunal, inquiry, investigation, inquest or disciplinary proceeding covered under your policy. Note we do not cover you for loss of earnings on the first day of attendance. Payment for subsequent days is paid for each half day at the rates specified as the sum insured in your policy schedule.

There is an additional cost for these optional covers - including government charges:

Would you like to take up the optional covers Personal expenses and Interruption to earnings?

Summary

Contact details
Name:
Residential address:
Gender:
Primary contact number:
Date of birth:
State predominantly practice in:
Preferred mailing:
Alternative address:
Practice phone:
Email:
Alternative email:
Electronic Communications:
Disclosure documents:
Financial reports:

Qualifications

Are you a Doctor in Training?
What is your category of practice?
Do you hold a copy of your working visa in Australia?
Attachment:
First year of registration:
Registration number:
In relation to your registration in any country have you ever been refused registration, suspended or deregistered?
Additional information:
In relation to your registration in any country are there or have there been any notations, conditions, limitations or undertakings imposed?
Additional information:
Registration Documents:
Current college memberships:
In which month and year did you complete your fellowship training?   

Claims, complaints, incidents or proceedings

Have you ever been subject to an investigation, complaint, inquiry (including Medicare inquiry), coronial inquest or proceeding in relation to your conduct as a healthcare professional?
Additional information
Have you (or a practice in which you work or worked) ever been involved in any claims, demands, suits or other legal actions in connection with your conduct as a healthcare professional?
Additional information
Are you aware of any act, error or omission which may give rise to a claim, complaint or other action being brought against you (or a practice in which you work or worked) in respect of your conduct as a healthcare professional?
Additional information
Have you ever been diagnosed with or treated for cognitive impairment or any other health conditions that may affect your performance as a healthcare professional?
Additional information
Have you ever been charged with, convicted or found guilty of a criminal offence in any country?
Additional information
Have you ever made a self notification or been the subject of a voluntary notification to AHPRA?
Additional information
Have you ever been counselled, disciplined or had authorisations altered by an employer, a hospital, an area health authority, a medical college, a statutory body or a medical board?
Additional information
Have you ever been involved in or are you aware of any matter or potential matter that would be covered by this policy including any potential defamation dispute, employer or employee dispute or audit by the Australian Taxation Office?
Additional information
Claims Documents:

Medical practice

Medical Practice: Which of these best describes your current career stage?
In which month and year do you anticipate you will complete your training?   
Training specialty:
Do you perform private practice outside of your training program involving: cosmetic procedures, obstetrics, dermatology, pathology, radiology where you bill the patient directly or you are NOT under the direct supervision of a medical practitioner who is qualified to perform such procedures?
Additional information:
Are you a staff specialist?
Do you perform any private practice outside of your staff specialist appointment?
Please provide an estimate of your gross private practice billings combined with your maximum drawing rights:
What staff specialist level are you?
What is your FTE?
Please provide your estimated gross billings for private practice:
Please confirm what period you are providing an estimate for:
Are you a Visiting Medical Officer (VMO)/Contractor?
Please choose the hospital(s).
Do you provide healthcare services to public patients where you are NOT or do not have the right to be indemnified by a hospital, area health service, government scheme, or your employer and require cover for healthcare you provide to public patients?
Additional information:
Please provide estimated gross billings^ for same period:
Have you participated, or are you participating in a clinical trial where you are working directly for, or on behalf of a Pharmaceutical company?

Are you involved in providing stem cell treatments?
Have you ever practiced as a consultant (in any category) and billed more than AU$25,000 or equivalent, in any 12 month period anywhere in the world?
As your policy period is less than 12 months you have the option to defer the Getting Started in Private Practice discount until your next policy period. Would you like to defer?
Do you provide any healthcare which would not normally fall within the scope of your speciality?
Do you require indemnity from Avant?
Please indicate the type of work, gross billings or income related to this work:

Have you changed your specialty of practice or billings in the last 5 years?
Please provide further details below:
Have you changed the Location of practice in the last 5 years?
Please provide further details below:
Do you carry out Alternative/Complementary Medicine?
Do you provide your patients with a full range of treatment options?
Do you carry out any skin cancer work?
What percentage of your gross billings is derived from this work?
Do you insert Naltrexone Implants?
Do you carry out Terminations of Pregnancy?
Do you have locums come into your practice while you are away?
Is there a follow up process (for referrals, test results) in place?
What is the percentage of non-procedural work versus procedural work you carry out in your practice?
Procedural Non-procedural
Of the procedural work you do what are the main procedures you carry out and what percentage?
What is the percentage of non-procedural work versus procedural work you carry out in your practice?
Procedural Non-procedural
Of the procedural work you do what are the main procedures you carry out and what percentage?
Do you undertake any intra-partum obstetrics including caesarean section that you require indemnity for?
Are you based overseas and reporting on Australian patients?
Do you report on any overseas patients?
Do you carry out Botox injections?
Do you bill patients under a provider number of another Medical Practitioner?
What percentage of annual billings are not under your provider number?
Do you perform any Bariatric Surgery?
What percentage of your annual billings are these surgeries?

% Procedure % Procedure % Procedure % Other
Lap banding Sleeve gastrectomy Gastric by-pass
Do you perform Fly in/fly out Bariatric Surgery i.e. you are not based in the state/territory in which the surgery was carried out?
Please provide estimated number of procedures per annum?
No. of procedures
Do you have access to indemnity in respect of Bariatric work you perform from any other party?
Do you perform Open Access Endoscopy?
How many procedures you perform annually?

No. of procedures % of annual billings
Do you have a regular General Surgeon who looks after your patients post-op?
Do you have access to indemnity in respect of Bariatric work you perform from any other party?
Additional information:
Do you perform fly in/fly out surgery i.e.: you are not based in the state/territory in which the surgery was carried out?
Please provide estimated number of procedures per annum?
No. of procedures
Do you specialise in a certain area of the body?
What area do you specialise in?
Do you perform spinal surgery?
No. of procedures % of annual billings
Do you perform fly in/fly out surgery i.e.: you are not based in the state/territory in which the surgery was carried out?
Please provide estimated number of procedures?
No. of procedures % of annual billings
Are the fat grafting procedures into the breast for cosmetic or reconstructive surgery - please indicate in the table below
Is this into the breasts?
Cosmetic or reconstructive surgery?
No. of cosmetic procedures per annum No. of reconstructive procedures per annum
Do you carry out any gender re-assignment surgery?
Male to female?
No. of Procedures per annum % of annual billings
Female to male?
No. of Procedures per annum % of annual billings
Do you perform fly in/fly out Surgery i.e.: you are not based in the state/territory in which surgery was carried out?
Please provide estimated number of procedures?
No. of procedures
Do you carry out any cosmetic procedures that are not Medicare billable?





Do you carry out any gender re-assignment surgery?
Male to female?
No. of Procedures per annum % of annual billings
Female to male?
No. of Procedures per annum % of annual billings
Do you perform fly in/fly out Surgery i.e.: you are not based in the state/territory in which surgery was carried out?
Please provide estimated number of procedures?
No. of procedures
Do you perform any telehealth?
Do you treat any drug addicted patients?
What percentage of your patients do these make up?
Do you carry out electroshock treatment?
Do you carry out any cosmetic procedures?
Procedure % of annual billings Procedure % of annual billings Other % of annual billings
Rhinoplasty Otoplasty
What percentage of your work involves treating children?
Do you perform fly in/fly out Surgery i.e.: you are not based in the state/territory in which surgery was carried out?
Please provide estimated number of procedures?
No. of procedures
Do you bill patients under a provider number of another Medical Practitioner?
What percentage of annual billings are not under your provider number?
Do you carry out any suprapubic catheter placements?
Do you have a consent process in place?
Do you have a follow up plan in place?
Do you perform fly in/fly out Surgery i.e.: you are not based in the state/territory in which the surgery was carried out?
Please provide estimated number of procedures?
No. of procedures
Do you perform any YAG laser procedures?
No. of Procedures % of annual billings
Do you perform any refractive laser eye surgery?
No. of Procedures % of annual billings
Do you perform any YAG laser procedures?
No. of Procedures % of annual billings
Do you perform any refractive laser eye surgery?
No. of Procedures % of annual billings
Do you perform any fat transfer procedures?
Is this into the breasts?
Do you perform any of the following procedures?
Procedures # of procedures % of annual billings
Liposuction
Abdominoplasty
Hair Transplants
Do you perform fly in/fly out surgery i.e.: you are not based in the state/territory in which the surgery was carried out?
Do you perform any fat transfer procedures?
Is this into the breasts?
Do you perform any gender re-assignment surgery?
Male to female?
No. of procedures per annum
Female to male?
No. of procedures per annum
Do you perform any hair transplant procedures?
No. of procedures % of annual billings
What are the top 3 procedures you perform?
Do you perform fly in/fly out Surgery i.e.: you are not based in the state/territory in which surgery was carried out?
Please provide estimated number of procedures?
No. of procedures
Do you carry out cosmetic procedures?
what billings do you generate from cosmetic work?
Billings
Do you carry out Mohs Surgery?
No. of procedures % of annual billings
Do you participate in fat banking services?
No. of procedures % of annual billings
Do you carry out any clinical healthcare activities such as consultations or treatments?
Are you a Medical Administrator?
Are you a director of a company or hospital where your activities relate to the running of that company or hospital?
In your capacity in a non clinical role do you exercise non medical knowledge or judgment such as managerial or administrative skills which do not relate to medical advice?
Please provide more information:
Do you undertake any non-emergency clinical practice that you require indemnity for?
Please provide more details:
Do you specialise in IVF?
What percentage of your annual billings are attributable to IVF?
Do you undertake any intrapartum obstetrics on public patients in a public hospital?
Are you fully indemnified for any matter that may arise from the labour and delivery of an infant by your employer or state indemnity Scheme?

Policy detail

Policy start date: If your application is approved, your cover will start from the date we approve your application unless you request a later start date. Do you want the policy to start at a later date?
Please specify date:
Policy end date: When would you like your policy to end?
Do you want to participate in the Premium Support Scheme?
Medicare provider number:
Do you practice in the public sector, with indemnity provided by the public sector organisation?
What do you estimate your income will be from your provision of private medical services for the policy period - to ?
Will you hold insurance with any other insurer or MDO during the period - to ?
Will you pay that insurer a premium for run-off cover within the period - to ?
Insurer:
Premium:
Have you been overpaid a PSS subsidy in a previous premium period and not yet repaid the insurer?
How much do you owe the insurer?
Will you be practising as a doctor outside of Australia for the total of 6 months or more (including holiday and sick leave) during the premium period?

Past insurance and indemnity information

Past insurance: Have you ever been indemnified by any Australian medical defence organisation or insurance company in the past?
Policy Details
Have you ever had an application or renewal for professional indemnity refused, had a loading, deductible or special condition placed on your insurance or been offered or provided with a reduced level of cover, had your application declined or had your policy cancelled?
Additional information:

Practice information

Are you a practice owner?
What is the trading name of the practice entity?
What is the ABN of the practice entity?
What is the primary practice address?

Retroactive indemnity

Nominated retroactive date :
Who are you indemnified with?
Do you have any periods for which you require additional retroactive cover because you were not covered by an insurance policy or you returned to private practice after a period of no private practice or because you changed insurer and did not take out run off cover?
This may be subject to additional premium:

Optional covers

Would you like to take up the optional covers Personal expenses and Interruption to earnings?

Membership and insurance offer

Period

Policy details

Amount



Payment

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- the Avant policy & membership instalment fee is charged at 2.5% of your premium before GST and stamp duty.
Note: We will deduct the annual or initial payment on the date your application is accepted. All other payments will occur on your preferred date or next business day.

Note: Please note that your payment will be taken within the next 48 hours.

cvv

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Direct Debit Request Service Agreement

This is your Direct Debit Service Agreement with Avant Insurance (under User ID 407295 or User ID 010731, as identified in the DDR). It explains what your obligations are when undertaking a Direct Debit arrangement with us. It also details what our obligations are to you as your Direct Debit provider.

Please keep this agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR authorisation.

Definitions

Account means the account held at your financial institution from which we are authorised to arrange for funds to be debited.

Agreement means this Direct Debit Request Service Agreement between you and us.

Banking day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.

Debit day means the day that payment by you to us is due.

Debit payment means a particular transaction where a debit is made.

Direct Debit Request means the written, verbal or online request between us and you to debit funds from your account.

Us or we means Avant Insurance, (under User ID 407295 or User ID 010731, as identified in the DDR) you have authorised by requesting a Direct Debit Request.

You means the customer who has authorised the Direct Debit Request.

Your financial institution means the financial institution at which you hold the account is maintained you have authorised us to debit.


1. Debiting your account

1.1 By submitting a Direct Debit Request, you have authorised us to arrange for funds to be debited from your account. The Direct Debit Request and this agreement set out the terms of the arrangement between us and you.

1.2 We will only arrange for funds to be debited from your account as authorised in the Direct Debit Request; or We will only arrange for funds to be debited from your account if we have sent to the email address nominated by you in the Direct Debit Request, a billing advice which specifies the amount payable by you to us and when it is due.

1.3 If the debit day falls on a day that is not a banking day, we may direct your financial institution to debit your account on the following banking day. If you are unsure about which day your account has or will be debited you should ask your financial institution.


2. Amendments by us

2.1 We may vary any details of this agreement or a Direct Debit Request at any time by giving you at least 14 days written notice sent to the preferred email address you have given us in the Direct Debit Request.


3. How to cancel or change direct debits

You can:

  1. cancel or suspend the Direct Debit Request; or
  2. change, stop or defer an individual debit payment at any time by giving at least 14 days notice.

To do so, contact us at 1800 128 268 during business hours; or

You can also contact your own financial institution, which must act promptly on your instructions.


4. Your obligations

4.1 It is your responsibility to ensure that there are sufficient clear funds available in your account to allow a debit payment to be made in accordance with the Direct Debit Request.

4.2 If there are insufficient clear funds in your account to meet a debit payment:

  1. you may be charged a fee and/or interest by your financial institution;
  2. we may charge you reasonable costs incurred by us on account of there being insufficient funds; and
  3. you must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be in your account by an agreed time so that we can process the debit payment.

4.3 You should check your account statement to verify that the amounts debited from your account are correct.


5. Dispute

5.1 If you believe that there has been an error in debiting your account, you should notify us directly on 1800 128 268 or email memberservices@avant.org.au

Alternatively you can contact your financial institution for assistance.

5.2 If we conclude as a result of our investigations that your account has been incorrectly debited we will respond to your query by arranging within a reasonable period for your financial institution to adjust your account (including interest and charges) accordingly. We will also notify you in writing of the amount by which your account has been adjusted.

5.3 If we conclude as a result of our investigations that your account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding in writing.


6. Accounts

You should check:

  1. with your financial institution whether direct debiting is available from your account as this is not available on all accounts offered by financial institutions.
  2. your account details which you have provided to us are correct by checking them against a recent account statement; and
  3. with your financial institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request.

7. Confidentiality

7.1 We will keep any information (including your account details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.

7.2 We will only disclose information that we have about you:

  1. to the extent specifically required by law; or
  2. for the purposes of this agreement (including disclosing information in connection with any query or claim).

8. Contacting each other

8.1 If you wish to notify us in writing about anything relating to this agreement, you should write to:

Avant Insurance Limited
PO BOX 746
Queen Victoria Building NSW 1230

8.2 We will notify you by sending a notice to the preferred address or email you have given us in the Direct Debit Request.

Any notice will be deemed to have been received on the second day after sending.

Direct Debit Request Payment Details

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I request Avant Insurance Limited (under User ID 407295) to arrange for payments to be debited from my nominated account through the Bulk Electronic Clearing System (BECS) in accordance with terms described in the Avant Insurance Direct Debit Service Agreement.

By submitting this Direct Debit Request (DDR) you are providing us with a valid instruction in respect to your DDR and confirming that, you have read, understood and agreed to the terms and conditions governing the debit arrangements between you and Avant Insurance as set out in this DDR and in our Direct Debit Service Agreement (below)

Note: You cannot select this option if debiting from a joint bank account or where the account name is different to the person applying. You will need to complete and sign a hard copy Direct Debit Request and send it to Avant Insurance.

Subject the terms of Direct Debit Service Agreement, 14 days notice is required if the terms of the above DDR are to be changed.

Declaration and Confirmation

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I hereby apply for membership of Avant Mutual and for a Practitioner Indemnity Insurance Policy from Avant Insurance. I agree to be bound by the Constitution of Avant Mutual and the terms of any insurance policy issued to me by Avant Insurance.

I declare that:

the information I have given in this application form and in any accompanying documents is true and correct, and I understand that Avant Insurance will rely on this information in deciding whether to provide me with an insurance contract and on what terms and conditions, and that it will form the basis of my policy

the retroactive date I have selected is adequate to cover me for all prior uncovered incidents and I agree to accept all future offers of retroactive cover as set out in the Policy and this application form, unless I otherwise advise Avant Insurance in writing. If I decide not to accept any offer of retroactive cover or future offers of retroactive cover, I may be uninsured for incidents occurring prior to the commencement date of my policy

if I have asked for public patient cover I understand that I need to determine if I am entitled to cover for civil liability for public patients from a hospital, area health service, a government scheme, or another person and that cover for civil liability will only be provided to me where I have no right to indemnity

I understand my duty of disclosure exists until the contract of insurance is entered into and that I have a continuing obligation to inform Avant Insurance of any material alteration of the risk during the policy period – including any change in the nature or location of my practice or my billings (if any)

I have read and understood the Product Disclosure Statement, Practitioner Indemnity Insurance Policy, Category of Practice Guide and Constitution of Avant Mutual and I acknowledge that cover is subject to the terms, conditions and exclusions of the policy

I confirm that I understand, acknowledge and agree to my information being collected, used and disclosed as outlined in the Privacy Notice above and in accordance with the Avant Privacy Policy, including for receiving marketing from Avant and overseas disclosures.

I understand this application is subject to approval by Avant Mutual and Avant Insurance. I acknowledge that if a contract of insurance is issued it will be subject to the terms and conditions of the policy wording provided to me or as otherwise specifically varied by Avant Insurance and agreed to by me

I authorise Avant Insurance to discuss and obtain information or documents in relation to insurance matters or claims history from another insurance company, MDO or an insurance reference bureau or similar organisation

I authorise Avant Insurance to discuss and obtain information and documents in relation to my registration, conditions of my registration or any other matter from any Medical Board or other registration body

I understand I may be required to participate in an audit to verify my category of practice and/or my gross private practice billings (if any) and that I must cooperate and facilitate such an audit. This may include the provision of a Statutory Declaration by me with regard to my gross billings for Private Practice.

Additional information

Avant Travel Cover
Avant is run purely for the benefit of our doctors, meaning we give back more to you in the form of superior member benefits. Avant Travel Cover is an annual, multi-trip policy# which gives you the protection you expect, whether travelling for a conference, an elective or holiday, Avant has you covered.
Avant Travel Cover has some great features, including:

  • Cover for all overseas and domestic travel.
  • No maximum age restrictions on key travel benefits.
  • Cover for your accompanying spouse and dependent children (no need to register their travel).

Would you like to receive additional information about Avant Travel Cover?

Doctors' Health Fund
As the fund created exclusively for the medical community and their families, Doctors’ Health Fund is dedicated to delivering their members outstanding choice, value and service. Benefits of choosing Doctors’ Health Fund

  • Freedom to choose your preferred Extras provider
  • Freedom to choose your doctor, and level of cover
  • Peace of mind with cover up to the AMA fee for medical services on Top Cover
  • Unlimited general dental check-ups at 100% of the cost*
  • $600 optical benefits to spend on your choice of frames, lenses and glasses every two years, per person per year on Total Extras
  • Switching is quick and we do all the paper work for you and any waiting periods you have served will transfer with you.

Avant provides health insurance through Doctors’ Health Fund. Would you like to receive information about our health insurance products?

Avant Travel Cover is available under a Group Policy between QBE Insurance (Australia) Limited (ACN 003 191 035, AFSL 239545) (‘QBE’) and Avant Mutual Group Limited (ACN 123 154 898) (‘Avant’). Avant Travel Cover is underwritten by QBE. For full details including the restrictions, terms, conditions and exclusions that apply, please read and consider the Product Disclosure Statement, available at avant.org.au or by calling us on 1800 128 268. Please check the Target Market Determination (TMD) to make sure this product is right for you. An excess may apply, depending on policy and claim type. Avant does not provide financial product advice on Avant Travel Cover. *(Check-ups limited to an examination, fluoride, a scale and clean where the fees are within the range of usual, customary and reasonable charges). Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, (ACN 001 417 527). Cover is subject to the terms and conditions (including waiting periods, limitations and exclusions) of the individual policy, available at www.doctorshealthfund.com.au/our-cover.