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USCE & Clinical Rotations IMG discussions of United States Clinical Experience (USCE), clinical rotations, clerkships, externships, observerships, electives, and internships.


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  #1  
Old 05-28-2010
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Dollar Sign Malpractice/Liability Insurance and Health insurance for USCE

Approximately all universities require malpractice health insurances.
From where to get them?are they in the same package?

Most universities require proof of them at time of application although universities do not guarantee any elective or desired elective.

But insurance companies require department, period & place of elective (that are not guaranteed as mentioned above). How to deal with that?

(i.e if I buy insurance for surgery in X university, then during processing of applications X university informs me that I can do only internal medicine elective or nothing-not a second choice-how to deal with that?)
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  #2  
Old 05-29-2010
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Default You can change

As far as I know is that by the time the University is asking you a proof of insurance then they'll definitely accept you so you won't be in the dilemma of having to cancel it or change it later on.

Even if you did change the department after buying the liability insurance I think it's very easy to contact the insurance company and ask them to change the specialty.
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  #3  
Old 05-30-2010
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Thank you very much for reply.
But Could tell me what are the best companies to buy these insurances?
by the way,I hold U.S citizenship.
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Old 05-30-2010
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Quote:
Originally Posted by good_boy_1234 View Post
Thank you very much for reply.
But Could tell me what are the best companies to buy these insurances?
by the way,I hold U.S citizenship.
I'd suggest www.hpso.com there's lot of positive feedback about them
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  #5  
Old 06-06-2010
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Thanx for help.

Does Travel inusrance equal health insurance needed by universities?because I found a local company that provides travel insurance which includes medical expenses & hospitalization abroad & emergency dental treatment.
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  #6  
Old 06-06-2010
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Info No they are not

Quote:
Originally Posted by good_boy_1234 View Post
Thanx for help.

Does Travel inusrance equal health insurance needed by universities?because I found a local company that provides travel insurance which includes medical expenses & hospitalization abroad & emergency dental treatment.
No, that's not equivalent.
The travel medical insurance will cover you when you get sick in US.
The medical liability insurance is something else, it's to cover the expenses that the hospital will pay if a patient filed a claim against you if you do something wrong while doing the elective. For example, if you give a wrong advice and the patient followed your instructions and got into health problems he/she will then sue the hospital. If you are not insured you will then be paying thousands of dollars.

But, by the way your travel medical insurance might sometimes be a requirement by some universities because they are responsible for you while you are doing the elective and they don't want to end up paying your health problems expenses should you have diabetes or got into accident for example, so check with the university/clinic policy.
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Old 06-06-2010
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Default

Thanx for reply,but I did not ask about malpractice(medical liability) that you explained.
I asked if health insurance=travel insurance.
Since I found a local company that provides travel insurance which includes medical expenses & hospitalization abroad & emergency dental treatment.
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Old 06-06-2010
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Default then it's optional

Quote:
Originally Posted by good_boy_1234 View Post
Thanx for reply,but I did not ask about malpractice(medical liability) that you explained.
I asked if health insurance=travel insurance.
Since I found a local company that provides travel insurance which includes medical expenses & hospitalization abroad & emergency dental treatment.
OK, in that case I think it's optional unless they specifically require it. Many travelers do not buy health insurance when they come to US.
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Old 06-06-2010
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Quote:
Originally Posted by lee-usmle View Post
OK, in that case I think it's optional unless they specifically require it. Many travelers do not buy health insurance when they come to US.
Thanx for help. Most universities if not all, require both Malpractice & Health insurances. I think the best way is to ask each university directly if my travel insurance=health insurance.
Logically, the travel one includes medical expenses...etc
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  #10  
Old 04-19-2011
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Default

Quote:
Originally Posted by good_boy_1234 View Post
Thanx for help. Most universities if not all, require both Malpractice & Health insurances. I think the best way is to ask each university directly if my travel insurance=health insurance.
Logically, the travel one includes medical expenses...etc
many say that tata aig travel guard is the best for health insurance and hpm is the best for malpractice.. any other opinion?
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  #11  
Old 06-27-2011
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Default malpractice insurance query

u mentioned hpm is the best for malpractice... what is hpm? can u give a link?


Quote:
Originally Posted by wenskyrose View Post
many say that tata aig travel guard is the best for health insurance and hpm is the best for malpractice.. any other opinion?
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  #12  
Old 08-17-2011
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Default Medical Malpractice Insurance

I believe most of the universities when you register they will give you a contact number for an medical malpractice insurance specialist. They might have schools rates as well with them. I got mine through Emedmal.
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  #13  
Old 03-16-2012
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Help

I am planning on doing an elective in Temple University, they don't provide malpractice insurance. I am supposed to find it myself, unfortunately I can't find any, tried many places.

Please I need your help asap
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  #14  
Old 03-16-2012
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Help

Quote:
Originally Posted by lee-usmle View Post
I'd suggest www.hpso.com there's lot of positive feedback about them
I contacted them, they said they don't provide malpractice insurance for students !!!!
Any other suggestions ?
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  #15  
Old 02-20-2014
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Default Offers of insurance

Hi,

I am searching for the cheapest malpractice insurance for 1 month elective. So far, i found only:
nexus-insurance.net: offered $404 for 1month & $462 for 2 months
academicins.com : $544 for 2 months

Did anyone find better deal?

I want to choose the cheapest with limits ofliability $1,000,000/$3,000,000.
Thx.
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  #16  
Old 02-28-2014
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Default Future-Doc Answers

Quote:
Originally Posted by good_boy_1234 View Post
Approximately all universities require malpractice health insurances.
From where to get them?are they in the same package?

Most universities require proof of them at time of application although universities do not guarantee any elective or desired elective.

But insurance companies require department, period & place of elective (that are not guaranteed as mentioned above). How to deal with that?

(i.e if I buy insurance for surgery in X university, then during processing of applications X university informs me that I can do only internal medicine elective or nothing-not a second choice-how to deal with that?)

Hi
At Future-Doc we have insurance for all of our participants. We pay for it and it covers any of our students that we list. If your department changes or your rotation changes we keep record of that and notify appropriately. Also the coverage is month to month. See if the places you go have that.

"Wishing you the best in all your current endeavors and in your future"
Dr. J
Future-Doc Enterprise
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  #17  
Old 03-01-2014
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Default

Hiee.. even I need malpractice insurance for 2months.. looking for the best offer. . Can anyone help. .pls reply asap..
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  #18  
Old 03-01-2014
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Default Future-Doc answers

Quote:
Originally Posted by adrenaline View Post
Hiee.. even I need malpractice insurance for 2months.. looking for the best offer. . Can anyone help. .pls reply asap..
If you are in Illinois, I may be able to get you insured under our umbrella for a very reasonable fee.

Dr.J
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  #19  
Old 03-21-2014
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Default Best Rates Insurance

Quote:
Originally Posted by good_boy_1234 View Post
Approximately all universities require malpractice health insurances.
From where to get them?are they in the same package?

Most universities require proof of them at time of application although universities do not guarantee any elective or desired elective.

But insurance companies require department, period & place of elective (that are not guaranteed as mentioned above). How to deal with that?

(i.e if I buy insurance for surgery in X university, then during processing of applications X university informs me that I can do only internal medicine elective or nothing-not a second choice-how to deal with that?)
Future-Doc can assist you with insurance if you are in ILLINOIS. We may be offering this in other states in the upcoming months. I do not have an exact date yet. For Illinois we can get you insurance about $100 cheaper than the prices you mentioned.
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  #20  
Old 04-08-2014
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Default

Well, I would suggest you that before getting a health insurance, make sure that it covers all aspects important to you.The covomo.com aims to alleviate all the worries of people regarding their safety while traveling to Germany.
They are also dedicated to lessening the burden of foreign travelers who are
more particular with the health issues that they might encounter while they are on their travel.
Aside from this, it is also giving comparisons of the services offered by different insurers that are providing health insurance services.See more here http://www.covomo.com/
Check today.All the best!
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  #21  
Old 04-20-2015
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Default

is this insurance be taken after their acceptance into their elective program ?
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Old 07-23-2016
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Smile

hai ..i want to do electives n what to know which is the best university in texas offering clinical rotations for international students....n in confusion how to start applying clinical electives...plz clarify me ...thanks in advance
:
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  #23  
Old 10-10-2016
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Default

any new updates for this thread?
anyone has any experience with other companies and how much they paid?
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  #24  
Old 11-16-2016
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Quote:
Originally Posted by mh15 View Post
any new updates for this thread?
anyone has any experience with other companies and how much they paid?
As of now academic and nexus the suitable ones
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