Policyholder Services

Will my OMIC policy insure me if I perform refractive lens exchange (clear lens extraction) on a patient with early cataracts?

It is the purpose of the surgery, rather than the technique or the presence or absence of a cataract that determines whether the procedure is a “refractive lens exchange (clear lens extraction)” for underwriting purposes. If the patient’s complaint and reason for seeking treatment is the impairment of vision caused by the cataract, then the procedure is deemed cataract surgery for underwriting purposes, and no special application, underwriting, or endorsement is necessary. However, if the patient’s primary objective is to reduce the amount of myopia, hyperopia, and/or presbyopia, even if early signs of cataract formation are present, then the procedure is considered a “refractive lens exchange.” As such, coverage is excluded unless specifically endorsed to the policy following review and approval of a supplemental questionnaire.

Please see also the Coverage Question, “Will OMIC cover me for implantation of a multifocal intraocular lens?”

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OMIC is the largest insurer of ophthalmologists in the United States and we've been the only physician-owned carrier to continuously offer coverage in all states since 1987 (pending in WI). Our fully portable policy can be taken with you wherever you practice. Should you move to a new state or territory, you're covered without the cost or headache of applying for new coverage.