Policyholder Services

Do I have to pay a capital contribution or surplus contribution to join OMIC?

No.  Although OMIC has the right to require surplus or capital contributions, the company has not done so since its early days of operation. The only payment you make is your premium (and applicable installment charge if you elect to pay on a quarterly basis).   State-mandated premium taxes and Patient Compensation/Excess Liability Fund fees may also apply, depending upon your state of practice.

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

Largest insurer in the U.S.

OMIC is the largest insurer of ophthalmologists in the United States and we've been the only physician-owned carrier to continuously offer coverage in all states since 1987. Our fully portable policy can be taken with you wherever you practice. Should you move to a new state or territory, you're covered without the cost or headache of applying for new coverage.