Policyholder Services

Will OMIC cover a physician for volunteer services s/he renders performing routine medical or ophthalmic screening for indigents or the elderly?

Although our policy generally does not extend to non-ophthalmic procedures, OMIC will cover physicians for routine medical exams performed as part of a health screening program in their locality – assuming it is only an occasional activity and not a standard part of the physician’s practice. Ophthalmic screenings are, of course, always covered.

Because there are additional liability concerns whenever a physician conducts only a screening exam (including the increased potential for claims alleging the failure to diagnose, failure to refer, or failure to treat), physicians interested in performing such exams should speak with a Risk Management representative for advice on how to reduce liability exposure. OMIC’s risk management article, “Free Vision Screening Exams” (published in the Fall 1998 Digest), is also available online.

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

#1. 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 $20 Million to our members through dividends.