Policyholder Services

What general advice will you give if a claim is reported against me?

Only with the details of the matter can we provide you with complete, appropriate advice. However, general suggestions to remember are as follows:

  • Call OMIC immediately.
  • Keep your sense of perspective.
  • Don’t alter, amplify, or otherwise change your medical records.
  • Keep the original record in a safe, secure location.
  • Don’t create an alternate set of records.
  • Don’t discuss the incident with anyone except OMIC, the legal counsel we assign to you, or others who have been cleared by OMIC or your legal counsel. (Especially do not talk to the plaintiff’s attorney; refer them to your OMIC claims representative or attorney.)
  • If you need to discuss the case with other health care providers, limit the conversation to the medical facts concerning the patient’s care and treatment.
  • Don’t perform your own investigation or try to settle the claim on your own. (It could ultimately jeopardize your coverage.)
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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.