As part of Avant Mutual since 2012, Doctors’ Health Fund has quickly become one of Australia’s fastest growing health funds. As the health fund of choice for doctors, we now cover over 24,000 members and 50,000 lives. 

We have designed Lite Extras Cover to introduce you to the benefits of private health insurance without the financial burden of having to pay a premium. You can you can access benefits for essential services like dental, optical, physio and more until the end of your Intern year.

To continue adding value to your Avant membership, members’ who renew to an Intern/RMO1 policy will be eligible for free Lite Extras Cover with Doctors’ Health Fund.

This is an exclusive product is fully subsidised by Avant (meaning no cost to you) as part of your Intern/RMO1 policy.

What's covered

S2I table

Frequently Asked Questions
When does my cover start?

We will set up your Lite Extras policy once we receive confirmation from Avant that your membership has been processed. We will then send you an email to confirm your policy details and policy start date. This can take up to 2 business days.

When does my cover end?

Your policy will end at 11:59 pm on the 31st of December of your Avant Intern/RMO1 policy year.  

Do I need to cancel my existing Extras policy?

No, you do not need to cancel your existing Extras policy that you hold either on your own or on your parents policy.

What if I am already a member with Doctors’ Health Fund?

If you are an existing Doctors’ Health Fund member you can access a period of free cover as an alternative to Lite Extras Cover. Call us on 1800 226 126 or email us.

What happens if I am no longer a member of Avant?

Lite Extras Cover is an exclusive product only available to Avant members who hold an Avant Interns/RMO1 policy. If you are no longer a member of Avant your Extras Cover with Doctors’ Health Fund will end.

What if i’d also like Hospital cover?

We have a range of quality Hospital covers designed for different stages of life, like our Smart Starter Bronze Plus hospital cover which is designed specifically for young doctors. Get a quote.

Can I add my partner/spouse to my Lite Extras policy?

Lite Extras is only available as a Single policy.

How do I make a claim?

You will receive your Doctors’ Health Fund Membership Card in the mail within 5 business days. You can use your Member Card to process on the spot claims at your chosen provider using HICAPS. You only pay the difference between the provider’s fee and your Doctors’ Health Fund benefit. Alternatively, you can pay for the service up front and easily submit a claim using our claims app, which you can download at the Apple Store or Google Play. Benefits are paid directly into your nominated account.

Am I restricted with which providers I can use to claim benefits under Lite Extras Cover?

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.

Are there waiting periods?

There are no waiting periods applied to the benefits on Lite Extras Cover, so you can start claiming as soon as you receive your Membership Card.

Do I avoid paying the Medicare Levy Surcharge if I have Lite Extras Cover?

No, to avoid the Medicare Levy Surcharge, eligible individuals who are also high-income earners will need to have the right level of hospital cover from a registered private health fund for themselves and their dependants. As Lite Extras Cover is only designed to cover extras treatment, as with all other extras only products, it will not help you avoid the Medicare Levy Surcharge.

I don’t have Australian citizenship or Permanent Residency (on student visa), am I restricted from using this policy?

Yes, you need to have Australian citizenship or Permanent Residency to be eligible for Extra Lite cover. 

Beginners Extras Cover is a private health insurance product issued by The Doctors’ Health Fund Pty Limited, ABN 68 001 417 527 (Doctors’ Health Fund), a member of the Avant Mutual Group.