Policyholder Services

Policy Information

Welcome to OMIC’s Policy Information page where you can learn about your coverage using the Coverage Q&A library below. For general insurance information please see Insurance 101. Policyholders can view their policy details and print or forward proof of insurance and certificates of insurance in MyOMIC Policyholder Services.

Insurance Documents

To view, download, or print Policy Booklets, Bylaws, and other featured documents visit the Insurance Documents page (login required).

Policy Benefits

There are 17 Policyholder Benefits (1 Disciplinary Proceeding, 7 Regulatory, and 9 Cyber/e-MD®) included in OMIC’s Professional Liability policy that cover a variety of regulatory, billing, cyber, and electronic media liabilities. Learn more here.

Coverage Classifications

To meet the diverse needs of our insureds, OMIC offers four coverage classifications: No Surgery, Limited Surgery (Class 1 and 2), and Full Surgery (Class 3). For a list of common procedures included under each classification go here.

Coverage Q&A

In the Coverage for Practice Q&A section below you will find answers to common questions regarding your direct liability as well as vicarious liability assumed through association with other ophthalmologists in groups, ownership of entities such as corporations or outpatient surgical facilities, and employment of physicians and non-physicians.

In the Coverage for Procedures Q&A section below you can learn about OMIC’s resources, recommendations, and coverage requirements for common ophthalmic procedures.

Since policy and underwriting guidelines are subject to change from time to time as approved by OMIC’s Board of Directors, you should use the information included here only for general reference.

Six reasons OMIC is the best choice for ophthalmologists in America.

Best at defending claims.

An ophthalmologist pays nearly half a million dollars in premiums over the course of a career. Premium paid is directly related to a carrier’s claims experience. OMIC has a higher win rate taking tough cases to trial, full consent to settle (no hammer) clause, and access to the best experts. OMIC pays 25% less per claim than other carriers. As a result, OMIC has consistently maintained lower base rates than multispecialty carriers in the U.S.