Policyholder Services

Is the “tail” ever free of charge?

Yes. “Tail” coverage is free of charge to physicians who completely retire from the clinical practice of medicine for compensation at any age, provided they have been continuously insured with OMIC a minimum of five years at the time of termination. Additionally, OMIC will provide a free tail upon death, adjudged incompetency, or permanent and total disability, regardless of age or length insured with OMIC.

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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.