FAQ – Occupational Accident Insurance and Medical Malpractice

 

What is Occupational Accident Insurance, and what does it cover?

Occupational Accident Insurance (“OAI”) provides coverage for specific injuries that happen during a covered accident while working as an independent contractor, including through On Call for Care. To offer your services on the On Call for Care Networking Platform, you must have OAI coverage. You can either buy your own insurance and provide proof or, if you prefer, purchase OAI coverage through the platform. OAI coverage bought through On Call for Care only covers incidents that happen during a shift scheduled via the Networking Platform.

For the OAI coverage you chose to purchase via the On Call for Care Networking Platform, the coverage details are listed here.  

What is Medical Malpractice Insurance and what does it cover?

Medical Malpractice Insurance (“Med Mal”) protects a professional if there is a claim that they committed any wrongful act while providing services. To offer your services through the On Call for Care Networking Platform, you must have Med Mal coverage. You can either purchase your own insurance and provide proof, or, if you prefer, buy Med Mal coverage through the On Call for Care Networking Platform. Med Mal coverage bought through On Call for Care only covers incidents that happen during a shift scheduled through the platform.

For Med Mal coverage that you chose to purchase through the On Call for Care Networking Platform, the coverage details are listed here.

Why do I need these?

OAI and Med Mal insurance protect you if you or a patient gets injured during a shift. If an injury happens, you should file a claim right away. Also, as you probably know, it’s standard in the industry for all independent healthcare professionals to have OAI and Med Mal coverage when working at healthcare facilities. 

Why am I being charged?

To use the On Call for Care Networking Platform, independent professionals must have the required OAI and Medical Malpractice insurance coverage. If you prefer to obtain it yourself, that's fine - just send us proof of your coverage! However, we understand that getting the right insurance can be costly and confusing. That's why On Call for Care partners with reputable insurance providers so you can purchase the necessary coverage directly through the platform. Choosing this option might save you time, reduce costs, and minimize confusion, depending on how many shifts you complete as an independent professional. If you are being charged for this coverage, it means you chose to purchase it through the platform. The current rates are:

$2.14/shift - Medical Malpractice & Occupational Accident Insurance

Do I have to purchase this insurance from On Call for Care?

No, if you choose to procure and maintain your own OAI and Med Mal insurance coverage that meets the minimum coverage limits listed below, you can submit proof of coverage to info@On Call for Care.com for review. Once the coverage is verified, you can bid on shifts without needing to purchase insurance from On Call for Care.

Medical Malpractice: 

• Coverage limits of $1,000,000 for each claim, other than those for Physical Abuse and Sexual Misconduct.
• Aggregate (total) policy limit of $3,000,000 for all claims.

OAI:

• Coverage limits of $1,000,000 for each claim 
• Aggregate (total) policy limit of $2,000,000 for all claims.

Were you injured during a shift?  How to file OAI Claims

If you sustain an injury while working a shift scheduled through the On Call for Care Networking Platform, your medical expenses are covered! You should immediately report the claim to your occupational accident insurance (OAI) carrier. 

Please note, you are not an employee and should NOT file a workers’ comp claim if you get injured during an On Call for Care shift. Reporting a worker’s comp claim instead of an OAI claim may delay processing.

If you purchase OAI coverage via the On Call for Care Networking Platform, you will need to file a claim with Zurich, either by phone or online.

1. You can file a claim over the phone by calling Zurich’s Claims Center at 866-280-4394. Please choose the option for a Work Injury Claim.  

   Please be prepared with the following information:

   • On Call for Care’s Policy Number: OCA 5941882-00  
   • Your phone number and email address
   • A summary of the injury and when and where it occurred
2. Or, you can file a claim online by clicking here 

If you provided proof of your own occupational accident insurance, please refer to your policy for instructions on how to file a claim.

Was a patient injured? How to report a Medical Malpractice claim

If a patient sustains a bodily injury during a shift scheduled via the On Call for Care Networking Platform that could give rise to a Med Mal claim, you are protected!  You should report the incident to insurance as soon as possible, even if you know about the incident before you learn that there is a lawsuit or other dispute. Report the claim as soon as you become aware.

If you purchased Med Mal coverage via the On Call for Care Networking Platform, you will need to report the incident by completing this form.

If you have your own coverage, please refer to your policy for instructions on how to file a claim.