Q. Can I obtain a premium indication before applying for coverage?
A. Yes. Obtaining a premium indication from National Medical Professional is easy. Of course, the more information you can provide, the more definitive we can be with the indication. A premium indication is a non-binding estimate of your premium. To obtain a premium indication for an individual physician please complete our web-based form by clicking this link. If you need a premium indication for the entire group, please call 888-804-9556, and press option 1 to speak to Norman Lutz, or send us an e-mail with the best time for us to call.
- Return to Questions -
Q. How do I apply for coverage?
A. Please contact National Medical Professional at 888-804-9556 to apply for coverage. We will gather some basic information on your practice, and provide you with the necessary forms to establish coverage.
- Return to Questions -
Q. What documents should I gather to prepare an application for coverage?
A. The following documentation will be required from each applicant:
- Return to Questions -
Q. What is a claims history report?
A. A claims history report is a record of claims activity that is provided from your prior malpractice insurance carrier or self-insured trust.
- Return to Questions -
Q. Why do I need to gather claims history for the past 10 years?
A. Your past history of claims, or evidence that you have not experienced any claims, may be predictive of future claims. In addition, as the program gathers more extensive claims history from even more practitioners, we will have greater credibility in our actuarial studies in determining the rates for each specialty.
- Return to Questions -
Q. Must I be a member of a national professional society to apply?
A. No. However, radiation oncologists who are members of ACRO receive a 5% discount on their National Medical Professional policy. With rare exception, this discount is greater than the $375 membership fee for ACRO. If you are not a radiation oncologist, ask your professional society to develop a relationship with National Medical professional by endorsing our company.
- Return to Questions -
Q. Who do I call if I have questions about the application?
A. Please call Norman Lutz at 888-804-9556, Option #1. You may also e-mail Norman at nlutz@nmpinsurance.com.
- Return to Questions -
Q. Will I be considered for coverage if I have had a paid claim?
A. Yes. One paid claim is not predictive of additional claims. In addition, we do not look just at the frequency or severity of claims. Our underwriting team will look deeper into the claim and seek to determine if the claims was a result of a breach in the standard of care.
- Return to Questions -
Q. When should I cancel my current policy?
A. We do not recommend notifying a current carrier of you intent to cancel coverage until coverage is bound or issued by your new carrier.
- Return to Questions -
Q. Will you notify me if my coverage is denied?
A. Yes.
- Return to Questions -
Q. Must I be "Board Certified" to be eligible for coverage?
A. Some individuals may still qualify for coverage, particularly physicians who are new to practice and have not completed their examination process. Certain other physicians, who have practiced in their specialty for an extensive period of time may also be considered for coverage. In general, National Medical Professional insures board-certified and board-eligible practitioners.
- Return to Questions -
Q. Do I have to send payment with my application?
A. No. You will be sent an invoice for your policy premiums after you are accepted.
- Return to Questions -
Q. How long does it take to process an application?
A. National Medical Professional can often process applications within 24-48 hours, if necessary. However, it is far better to allow one to two weeks so we have more time to review your application and offer the best possible terms.
- Return to Questions -
