Coronavirus-Your COPIC Policy

Coronavirus-Your COPIC Policy

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March 31, 2020

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*All policy terms and conditions otherwise apply. Please review your policy.

Contact Information:
Policyholder Services: (720) 858-6176
Policyholder Billing Questions: (720) 858-6211 

What if I experience financial hardship and have trouble paying my COPIC premium? 
We understand that the current situation creates uncertainty and will impact practices in different ways. COPIC is committed to you and will provide reasonable accommodations during this unprecedented time:

• No late payment fees
• Payment arrangements and extension of premium grace periods
• Defer any non-renewal underwriting action
• Defer cancellations for non-payment of premiums 
• Renewal of your expiring COPIC policy

Should you anticipate a problem, please contact us as soon as possible for our support.

Electronic Payment Options
COPIC encourages our policyholders to use electronic payment technologies whenever possible. You may make your credit card or bank transfer payment on the COPIC website at (click the Quick Pay tab at the top).

Does my policy cover me for claims involving COVID-19?
COPIC’s policy covers claims resulting from the delivery of professional medical services, by you or any person under your supervision, including telemedicine, medical treatment and diagnoses, and rendering medical opinions or medical advice, unless an exclusion applies. Without knowing the specific allegations, COPIC cannot definitively state whether a claim is covered, but most claims alleging negligence in the delivery of medical services would be covered, including those related to COVID-19.

Am I covered for telemedicine under my COPIC policy?
Covered claims (see above) involving the use of telemedicine to deliver medical services are generally covered. State medical licensing laws, regulations, and rules may apply. 

Will my policy provide coverage for volunteer work?
Yes, if you are an active policyholder with COPIC. 

Am I covered if I temporarily provide medical care outside of my specialty due to COVID-19?
Your policy indicates, in part, that COPIC will pay damages which you are obligated to pay as a result of a claim arising from your provision of medical services within the limits of your professional license, including telemedicine, medical treatment and diagnoses, and rendering medical opinions or medical advice. 

We encourage our insureds to maintain a proper review of training, knowledge, experience, medical judgment, and personal comfort when considering any scope changes. Please contact your agent or COPIC underwriter to address any changes.

Physicians providing professional services to a COPIC policyholder due to COVID-19
COPIC has set up a COVID-19 Physician Program policy for each of our states that will provide temporary liability coverage for 90 days. This policy will be available for physicians who do not have other available insurance coverage, and who are not currently a covered physician under a COPIC policy who will be providing professional services to a COPIC-insured practice or facility to assist with medical services against COVID-19 in your community.

The following information and limitations will apply:
• Physician must have a valid, unrestricted license; state or federal waiver may apply
• COVID-19 Physician Policy for each state will be valid for 90 days (from 3/16/2020 – 6/14/2020)
• Coverage is limited to physicians providing medical services to COPIC-insured practices/facilities
• COPIC will provide the minimum policy limits required, or $1M/$3M, whichever is less
• No additional premium will be required as this is being considered as an extension of coverage
     o COPIC will not be responsible for any premiums due to any Patient Compensation Funds, if required
     o Tail coverage will be included as part of the policy
• Coverage will be conditioned upon affirmation that physicians are providing professional medical services against COVID-19
• A short application is required to determine eligibility

If you are interested in applying for this coverage, you may download the application, complete the form and save to your computer. Email the completed application to your underwriter or to to see if you qualify.