Lite Extras Cover
An exclusive product for Avant Interns & RMOs
Designed to introduce you to private health insurance, Lite Extras Cover is free with an Avant Intern/RMO1 policy. This exclusive product by Doctors’ Health Fund is fully subsidised by Avant, meaning you can access benefits for essential health services from 1 January of your Avant policy year.
Doctors' Health Fund is the only health fund created exclusively for doctors, their families and the wider medical community. Since becoming part of Avant in 2012, Doctors’ Health Fund has become one of Australia’s fastest growing health funds.
Access up to $800 worth of benefits for essential health services such as general dental, optical, physiotherapy and mental health support.
What's covered
Frequently Asked Questions
Lite Extras is exclusively available those that hold a current Intern/RMO1 Indemnity Insurance Policy with Avant Insurance Limited.
Your Lite Extras Cover will automatically start when your Avant Intern/RMO1 Indemnity Insurance Policy commences. You will receive your Lite Extras welcome email and membership card to the email address and postal address nominated on your Avant membership.
Your Lite Extras Cover will end at the same time your Avant policy ends, which will be at 11:59pm on 31 December of your Avant policy year (unless terminated earlier).
There are no waiting periods applied to the benefits on Lite Extras Cover, so you can start claiming as soon as you receive your welcome email.
You can start claiming from 1 January, when your Lite Extras Cover is active. You’ll receive a welcome email from us with details on how to claim using the HICAPS QR code in the Doctors’ Health Fund app, your membership card or Online Member Services portal.
The easiest way to claim is with cardless claiming via the Doctors' Health Fund app. Simply use the in-app HICAPS QR code for on-the-spot claims at participating providers.
Alternatively, you can also:
- Use your physical member card; or
- Make a manual claim by paying upfront, then submitting a photo of the invoice through the app or our Online Member Services portal; or
- Download and complete a claim form, then:
- Email it to info@doctorshealthfund.com.au, or
- Post it to PO Box Q1749, Queen Victoria Building, Sydney NSW 1230.
No, you do not need to cancel your existing extras cover that you hold either on your own or on your parent’s policy. Lite Extras Cover provides you with additional limits on included services. However, you should only claim under one policy for each service.
We have a range of quality hospital covers created for different stages of life - like Smart Starter Bronze Plus which is designed specifically for young doctors.
Plus, if you join on hospital cover whilst you are an Avant Intern/RMO member, Avant Mutual will cover the cost of your extras policy for two years. Access higher limits and additional benefits with our more comprehensive extras products and save hundreds on your premium.
Contact our expert team for more information or visit doctorshealthfund.com.au/subsidised-extras.
Terms and conditions apply.
Lite Extras is only available as a single policy.
No, at Doctors’ Health Fund we believe in freedom of choice, so we have no restricted provider networks for any of the services you are covered for.
No, to avoid the Medicare Levy Surcharge you will need to have the right level of hospital cover. As Lite Extras is only designed to cover extras treatment, as with all other extras only products, it will not help you avoid the Medicare Levy Surcharge.
Lite Extras Cover is an exclusive product only available to Avant members who hold an Intern/RMO1 policy. If you are no longer a member of Avant your extras cover with Doctors’ Health Fund will end.
This product has policy limits rather than annual limits meaning that limits will run from when you join to 31 December (and will not reset at the end of this year).
Lite Extras is a private health insurance product issued by The Doctors’ Health Fund Pty Limited, (ACN 001 417 527 (’DHF’). Unless you advise us that you do not wish to accept the offer, as part of your Avant membership you will receive a subsidised Lite Extras policy from DHF. If you do not wish to receive this offer, please call 1800 128 268 to opt out. DHF will collect and use the personal information provided on your Avant membership to issue and administer your Lite Extras policy. For more information and terms & conditions contact Doctors' Health Fund.
Professional indemnity insurance products are issued by Avant Insurance Limited, (ACN 003 707 471, AFSL 238 765). Please read the relevant Product Disclosure Statement or policy wording (available at www.avant.org.au) before deciding whether to acquire or continue to hold the product.