COVID-19 Topic: Curi Policy, Coverage, & Premium
What coverage & payment options is Curi offering to support practices during this time?
We recognize this is an unprecedented situation and that COVID-19 may lead some practices to face challenges making premium or deductible payments. We have developed three…
How will my MPL policy be affected if my practice is remaining clinically active, but COVID-19 is impacting our ability to pay our insurance premium?
We recognize the potential financial hardships our members are facing due to the COVID-19 pandemic. As a result and as your partner, effective immediately, we are…
How will my MPL coverage be affected if my practice must close for an indefinite period of time due to COVID-19?
Curi will offer a suspension of medical professional liability (MPL) coverage for a minimum period of 30 days, up to a maximum of one year. Your…
How will my MPL coverage be affected if my practice remains open, but I must reduce my provider or APP staff for an indefinite period of time due to COVID-19?
Curi will offer Leave of Absence (LOA) coverage for individual physicians and/or advanced practice providers (APPs) that carry their own individual limits of coverage for a…
How are you handling previous past-due payments (late prior to COVID-19)? Is Curi also delaying collection of those payments?
All invoicing is being suspended until June 30, 2020, including those that are currently past due. All outstanding premium is due at the end of this…
If we wish to continue making premium payments during this time, what’s the best way to handle?
We recognize the financial hardships our members are facing due to the COVID-19 pandemic. As a result and as your partner, effective immediately, we are suspending…
How will delayed payments be reconciled?
Once the premium invoice suspension expires on June 30, 2020, practices will be expected to pay any due and/or overdue amounts. We encourage all practices that…
Does my policy cover me if I need to practice at another location?
Yes. Your Curi medical professional liability policy will cover you for temporary, professional services performed at a different location—e.g., parking lot drive-in clinic, other facility, or…
Does my policy cover me if I need to practice in another locality?
Curi will work with you to arrange coverage should you have to render professional services in another state during this emergency period. You should notify either…
Does my policy cover me if I practice outside my specialty?
Yes. If you are being asked to temporarily render professional services outside of either your specialty or scope of practice during this National Emergency, then your…
Does my policy cover additional staff to assist with the crisis?
Yes. Curi will provide coverage if you intend to add additional, temporary physicians and healthcare providers to address patient surges during this emergency. This includes currently…
We are retaining our APPs, but cutting back their hours. Can we get premium relief? Is there part-time status for APPs?
Part-time status is typically only available for physicians. However, throughout this national emergency, we will consider extending part-time status to APPs if they carry their own…
Will Curi allow physicians and APPs to drop down to part-time status during this time?
Curi will allow for part-time discounts immediately for physicians who qualify. Additionally, the minimum required time to be working part-time has been amended to 30 days,…
Does my policy cover telehealth?
Yes. Curi’s medical professional liability policy will cover telehealth visits for insured physicians during this declared National Emergency—extending, without conditions, for the later of either sixty…
Does my policy cover patient claims involving COVID-19?
Yes. Curi has no plans to modify or restrict current coverage as it relates to COVID-19 patient claims. As always, coverage is subject to your policy’s…
Will Curi issue premium credit refunds to physicians who pre-paid the entire policy premium and are now in furlough or practicing part-time?
If an endorsement (amending policy coverage for furloughed providers, amending work status, or other changes) generates a premium reduction, those monies will be either applied to…
If Curi is not invoicing for any policies during the suspension period, will our policy be considered “renewed” if we do not make the first payment of our new policy term?
All invoicing is being suspended until June 30, 2020. Curi encourages all practices with the means and desire to make payments during this time to do…
What happens if a practice leaves Curi during the premium suspension?
Curi is suspending premium invoicing with the anticipation that any due and/or overdue premium will be paid at the end of the suspending period, June 30,…
Will tail coverage be affected by retired physicians returning to work during the emergency?
No. If you were a previous policyholder who retired and plan to come back to work to help during this National Emergency, you can rest assured…
Can we offer telehealth services in states where our physicians aren’t licensed?
Curi’s medical professional liability policy will cover telehealth visits for insured physicians during this declared National Emergency—extending, without conditions, for the later of either sixty (60)…
HR & Business Continuity Resources
Curi partners, CAI and Sentinel Risk Advisors, have numerous resources to help practices prepare for the potential business challenges and disruptions that will come with this pandemic.
Curi’s Financial Hardship Offerings
Curi has three options to support our insureds with financial hardships associated with the COVID-19 pandemic.
Google COVID-19
This is the official Google resource for all things COVID.