Insurance Coverage

Professional Liability Insurance

Medical students are required to hold professional liability insurance protecting against potential malpractice claims that may arise while participating in activities that are a part of and requirement of the curriculum.

Coverage is provided by Maryland Medicine Comprehensive Insurance Program (MMCIP) through student fees.  Coverage for the University of Maryland School of Medicine MD Program students is limited solely to those individuals in good academic standing during the period(s) of active enrollment. Coverage is afforded for clinical activities authorized by, and at locations approved by, the Office of Student Affairs. Coverage is subject to the limits of liability, terms and conditions of the Trust and any extensions thereof. Coverage is provided on a Claims Made with Tail basis.

Note voluntary participation in health fairs or other patient/interactions and activities through student organizations (e.g., not within the required curriculum) must be approved by OSA and the UMB Office of Risk Management – using this form.

Note, students on a leave of absence from the curriculum, or students participating in activities outside of those that are a requirement of the curriculum or have been previously approved, are not covered. 

Office of Risk Management (FOR MEDICAL STUDENTS ONLY)

Maryland Medicine Comprehensive Insurance Program (MMCIP)
250 W. Pratt St., Suite 1200
Baltimore, MD 21201
Phone: 410-328-4704
Fax: 410-328-3391

PhysicianUnderwriting@mmcip.umm.edu

Current insurance carrier: Maryland Medicine Comprehensive Insurance Program
Address: 250 W. Pratt Street, Suite 1200, Baltimore, MD 21201
Policy number: self-insured trust
Period of coverage: July 1 – June 30 (renews annually unchanged)
Limits of coverage: $1,000,000 per claim/$3,000,000 annual aggregate
Type of coverage: claims made with tail

* In the event that you are contacted by a law firm representing a patient/client/facility, please notify Student Affairs or Risk Management (above) immediately.

Student Accident Insurance Plan

Medical students are required to have accident insurance coverage the provides benefits in the event of injury sustained during academic or clinical activities. Learn more at Student Accident Insurance Plan.

Student Disability Insurance

Medical Students are required to carry disability insurance that offers financial protection in case of a disability that prevents them from continuing their medical education.

All students are automatically enrolled in AMA Med Plus Advantage disability insurance (Policy Number 758390) as required by the Liaison Committee on Medical Education, or the LCME.  The cost will be included in SOM MD Program fees at approximately $55 per year. 

Group Plan Certificates | Support | AMA Insurance (amainsure.com)

groupltdprogram@amainsure.com
Ph:  888-627-6618

UMB Contact, Office of the Provost
Meghan Bruce Bojo, MSW
Executive Director for Academic Administration
mbojo@umaryland.edu

Health Insurance

All full-time students (Graduate Level – 9+ credit hours, Undergraduate Level – 12+ credit hours) are billed the student health insurance fee. They will be automatically enrolled in the Student Health Insurance Plan (SHIP) after the waiver period. For students starting in the Fall, coverage is retroactive to August 1. For students starting in the spring, coverage is retroactive to February 1. This coverage can be waived if a student provides proof of adequate health insurance by the waiver deadline. 

Any students taking fewer than 9 credit hours for Graduate Programs and 12 credit hours for Undergraduate Programs will not be automatically billed for SHIP, but are eligible to enroll on a voluntary basis, excluding students enrolled in a designated Online Only Program. 

UMB Health Insurance Requirement

UMB professional and graduate students engage in different types of educational work on campus and participate in experiential education in the workplace — pharmacies, schools, hospitals, rehabilitation units, field sites, community service centers, etc. As such, students face workplace risks but do not qualify for workers compensation insurance to cover workplace injuries or accidents on a no-fault basis. To ensure that UMB students have access to medical care and do not present an undue legal or financial risk to the University or its affiliates, students are required to have ACA-compliant health insurance. The UMB Student Health Insurance Plan provides the appropriate coverage under ACA and consumer protections through regulation by the State of Maryland Insurance Administration.

More Information on the Student Health Insurance Plan (SHIP) | umaryland.edu/ship

• Enrolling in the SHIP Plan
• Waiving the Student Health Insurance Plan