Policyholder Services

I have been asked to serve as a camp physician at a children’s summer camp. Will OMIC cover me for these activities?

In order to determine whether OMIC would respond to claims arising from services rendered as a camp physician, we would need a thorough understanding of the situation, including the physician’s qualifications to serve as a camp physician, his/her role and responsibilities as camp physician, and the types of services to be rendered. The following are examples of the types of questions we would need to address:

  • Where will the physician serve as camp physician and for what period of time?
  • If the camp is located in another state, does the physician hold the appropriate licensure in that state?
  • What special training, if any, does the physician have?
  • Will the camp physician remain on site for the duration of his/her service?
  • Will he/she have set office hours or be available on call? If on call, within what response time?
  • How many children will the camp physician be responsible for, and approximately how many will he/she see on a given day?
  • Will services be limited to ophthalmology only, or will general medical care also be provided?
  • What types of illnesses or injuries will be treated?
  • Will the physician maintain medical records for patients seen?
  • What is the protocol for triaging and treating emergencies?
  • What medical equipment and emergency equipment is available on site?
  • Where (distance) is the nearest medical facility?
  • How will patients be transported to the nearest medical facility, if needed?
  • Will any other medical personnel (such as a medical assistant, nurse, or another physician) be available?


 If approved for coverage of non-ophthalmic activities, a special endorsement will be added to the policy.

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#1. Consistent return of premium.

Publicly-traded insurance companies exist to make profits for shareholders while physician-owned carriers often return profits to their policyholders. Don’t underestimate this benefit; it can add up to tens of thousands of dollars over the course of your career. OMIC has one of the most generous dividend programs for ophthalmologists and has returned more than $20 Million to our members through dividends.