Policyholder Services

Are refractive surgery procedures covered?

Yes.  Coverage for extraocular refractive surgery procedures (such as PRK and LASIK) is automatically included within the Surgery Class 3 rating classification. Although the standard policy excludes coverage for intraocular refractive surgery procedures, your policy can be endorsed to include coverage for refractive lens exchange (RLE) and/or phakic implants following review and approval of a supplemental refractive surgery questionnaire. If approved, coverage for the specified intraocular refractive surgery procedure will apply at full policy limits and without additional charge.


Updated 12/8/2015

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

#3. 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 your 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’s base rates have consistently averaged approximately 15% lower than multispecialty carriers in the U.S.