Policyholder Services

Will it jeopardize my coverage if I apologize to my patient for a bad outcome or medical error?

Appropriately expressing regret and sympathy for an unexpected outcome will not jeopardize your coverage, but it could affect your liability exposure depending upon your state’s laws. Admitting liability (i.e., stating that you’re legally or financially responsible for the outcome), on the other hand, is a direct breach of the Cooperation Clause in your policy (unless you have obtained OMIC’s prior written consent) and could result in the denial of coverage for a resulting claim. To protect your coverage and minimize your exposure to liability, we recommend that, if possible, before apologizing to the patient, you contact OMIC’s risk management specialists for confidential advice on the proper way to address the issue. For general recommendations regarding unexpected outcomes, please refer to Responding to Unanticipated Outcomes available on OMIC’s web site.

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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.