Policyholder Services

What does OMIC look for when reviewing my application?

We consider a variety of factors that have an impact on your liability exposure, including your training, previous practice experience, claims history, and scope of practice, to verify that your exposure is reasonable based on guidelines established by OMIC’s Board of Directors, composed of practicing ophthalmologists like yourself. By doing so, we are able to keep our coverage reasonably priced; your premiums will not be used to subsidize high risk physicians.

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

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 $90 Million to our members through dividends.