|
MALPRACTICE INSURANCE (Student)
The University in conjunction with the Insurance Division
of the State Treasurer's Office currently maintains three
(3) programs of malpractice insurance offering coverage to
properly enrolled students. Two of the programs are provided
through commercial insurance while the third is offered through
self-insurance.
Eligible students participating in approved clinical courses
in Nursing, Pharmacy, Social Work, Physical Therapy,
Medical Technology, Pathology, and Human Genetics are
enrolled in a blanket insurance policy obtained through
the State Treasurer. The following is a breakdown of
the major points of the program:
- Each school's eligible program submits in late summer
the estimated number of students who will be participating
in clinical programs. The combined estimate for all
University schools is submitted by Risk Management
to the Insurance Division of the State Treasurer's
Office.
- A listing of each program's participating facilities
is submitted to Risk Management in the late summer.
This listing includes the facility name, address,
phone number, and contact person as well as which
program is providing the students. After these listings
are submitted to the Insurance Division, the insurance
broker/agent will issue a certificate of coverage
to each listed facility.
- Faculty engaged in actual clinical instruction are
also covered under this policy.
- Coverage is currently provided under a "claims
made" policy
with $1,000,000/
$3,000,000 in limits.
- Students are billed through Student Accounting (Financial
Services) each semester for their portion of the
premium based upon their enrollment in designated
clinical courses. Eligible enrolled students participating
in the clinical programs in the Dental School (including
Dental Hygienist) are covered under a separate commercial
policy that covers the operation of the entire clinical
operation. The program highlights are listed below:
- All students properly enrolled in an eligible
clinical course are covered under this blanket
policy.
- All faculty who are registered to instruct in
the clinical program are also covered.
- Coverage
is under
a "claims made" policy.
- Students are billed through Student Accounting
(Financial Services) for their premium based
upon the program and year in which they are enrolled.
Eligible students in the Medical School (not including
Physical Therapy, Human Genetics Counseling, and Pathology)
are enrolled in a self insurance program administered
by the University of Maryland Medical System.
- Students are billed through Student Accounting (Financial
Services) for their premium.
- A statement of coverage can be requested for any
non-UM facility in which an eligible student is participating
in a clinical program.
Any questions regarding these programs should be directed
to Mr. Jeff Kiefer on 410.706.7043 or by e-mail at jkiefer@af.umaryland.edu. |
