Premium rate reductions 

To help relieve some of the financial stress that many of our members are experiencing, we are passing on premium rate reductions of 15% for hospital cover and 30% for extras to all members, for the insurance period covering May and June 2020.

We are continuously assessing the potential impact of the pandemic on current and future claims, and the ways we can return value back to members. We believe that social distancing and the suspension of non-urgent elective surgery will lead to reduced claims. It is uncertain how long this period of lower claiming will last, and we expect to see a higher than normal level of claims, once elective surgery restrictions are lifted. 

You do not need to do anything to receive your reduction. If you have a premium payment due between 1 May and 30 June 2020, we will automatically reduce the premium to be paid and advise you of the reduced amount. 

If you have pre-paid your premium beyond 30 June 2020, we will extend your period of cover and there will be a pro-rated reduction of your next premium payment.

Visit our Frequently Asked Questions page for more information. 

Measures to support members during COVID-19

1 April 2020 premium increase has been deferred 

We have deferred our 1 April 2020 premium increases to 1 October 2020.  This means all premium payments up to 30 September will be at the current rate. If you have pre-paid your premiums, you don’t need to do anything, as you have already paid the current premium rate.

Cover for COVID-19 under all hospital policies

All members with a hospital policy will be fully covered if admitted to hospital as a private patient due to COVID-19. This includes members with Smart Starter Bronze Plus, regardless of the exclusions and restrictions that apply on this policy. Normal waiting periods apply for new members. 

Options for financial relief 

If you are experiencing financial hardship because of COVID-19, options are available for financial relief.  

We encourage you to contact our Member Services team to discuss your situation and the options available. Each submission will be reviewed confidentially and, on a case-by-case basis. 

Continued access to allied health services  

To continue accessing health services at this time of social distancing and isolation, we have extended our Extras benefits to cover allied health consultations provided by phone or video.  

Currently, this applies to the following services:  

  • Psychology 
  • Physiotherapy  
  • Dietetics  
  • Speech pathology  
  • Occupational therapy  
  • Podiatry 

Tele-health and video consultations need to be claimed by sending us an invoice via our app or Online Member Services after the service has occurred. These services cannot be claimed through HICAPS at this time.  

Hospital in the home services

For our members managing acute and chronic conditions, particularly those that fall within high-risk groups for COVID-19 including the elderly and those at an increased risk of infection, we have arrangements with a range of providers that offer Hospital in the Home services, ensuring you can receive your treatment safely at home. These services cover a variety of areas, including:  

  • Chemotherapy  

  • Immunotherapy 

  • Rehabilitation 

  • Oncology and Home Infusion Services 

  • Wound management 

  • Provision of IV antibiotics 

With a referral from your doctor, you may be suitable to receive treatment at home. Please speak with your doctor to understand your suitability for Hospital in the Home treatment and contact our Member Services team to discuss what we can offer as part of your health cover with us.  

Temporary suspension of non-urgent elective surgery 

From 1 April 2020, all non-urgent elective surgery was suspended in private and public hospitals until further notice.

All members with pre-booked admissions need to contact their medical practitioner and hospital as soon as possible, to determine the status of their pending surgery.  

Our continued service levels during COVID-19

We have been proactively implementing measures to allow us to continue serving our members as the COVID-19 pandemic continues to escalate. Please rest assured that we anticipate no significant changes or disruptions to the normal level of service provided. 

Together with servicing our members, the health and wellbeing of our staff is of paramount importance. Although we have not experienced a case of COVID-19, we must put in to practice measures to reduce any potential risk to our team and the community, which include remote working arrangements. We thank you for your patience for any short delays you may experience during this time.

So please don’t hesitate to still contact us with any enquiries about your health cover, particularly if you have an upcoming admission. Now is also a good time to ensure you have set your login details for our new Online Member Services. Submit your claims, update your payment and other details, check your limits and other policy information, and request a time for us to call you - all online on any device. 

Information on Avant’s preparations can be found here
Avant Mutual website has a comprehensive set of FAQs about the disease, testing, isolation, and medico-legal ramifications

Information about Coronavirus (COVID-19)

Coronavirus (COVID-19) is a relatively new virus that has become of significant concern to the health of Australians in recent weeks. After its first reporting overseas late last year, we are now seeing an increasing number of confirmed cases within Australia, making the health of our community a top priority. 

Coronavirus (COVID-19) causes respiratory illnesses, with symptoms ranging from no symptoms at all, to a mild cough, to pneumonia and potentially fatal disease. While many will recover, others may get very sick very quickly. 

Maintaining personal hygiene is paramount to minimise contact with and the spread of Coronavirus (COVID-19).

The following actions have been strongly recommended -  

  • washing hands regularly with either soap and water for 20 seconds, or alcohol-based hand sanitiser, especially after touching hard surfaces;
  • avoiding contact with areas of the face including nose, eyes and mouth;
  • distancing contact with others who are showing signs of a respiratory illness; 
  • practicing good cough etiquette (like catching coughs and sneezes in a tissue of flexed arm), and
  • staying at home if you are feeling unwell and limiting unnecessary travel. 

As the situation and advice is rapidly changing, it is important to regularly check credible sources for up-to-date information on the spread of this virus, particularly the Department of Health’s website

Additional resources including national support services are provided below, to assist with understanding Coronavirus (COVID-19). Please also refer to your relevant state and territory government health websites for more information.

National information: 

You can call the Coronavirus Health Information Line on 1800 020 080. The line operates 24 hours a day, seven days a week.

International information:

If you have any questions regarding your cover in relation to Coronavirus (COVID-19), please do not hesitate to contact our Member Services team on 1800 226 126 or by email.  

This information is not comprehensive and does not constitute legal or medical advice. You should seek legal or other professional advice before relying on any content, and practice proper clinical decision making with regard to the individual circumstances. Persons implementing any recommendations contained in this information must exercise their own independent skill or judgment or seek appropriate professional advice relevant to their own particular practice. Compliance with any recommendations will not in any way guarantee discharge of the duty of care owed to patients and others coming into contact with the health professional or practice. Avant and Doctors Health Fund is not responsible to you or anyone else for any loss suffered in connection with the use of this information. Information is only current at the date initially published.