Medical Professional Liability Insurance for Resident Physicians and Fellows

All resident physicians and fellows are required to personal medical professional liability insurance that shows limits of 1 million dollars per occurrence/3 million dollars annual aggregate to participate in the Kansas Locum Tenens (KLT) program.

Rural Health Education and Services (RHES) offers sponsorships to help KLT resident physicians and fellows cover medical professional liability insurance (up to a $1,400 value). Sponsorships are available on a limited basis each year. 

In order to receive Medical Professional Liability Insurance Sponsorship resident physicians/fellows must first be an approved KLT provider and then must:

1. Complete a Medical Professional Liability Insurance Application
2. Agree to the terms and conditions defined in the policies and procedures
3. Meet the eligibility requirements

Call 316-293-2649 or email klt@kumc.edu for more information.

Medical Professional Liability Insurance Application

Medical Professional Liability Insurance Sponsorship Policies and Procedures

Medical Professional Liability Insurance Sponsorship

The Medical Professional Liability Insurance Sponsorship (Insurance Sponsorship) program was established by Rural Health Education and Services in 2013. The Insurance Sponsorship was created to assist University of Kansas Medical Center resident physicians and fellows (all campuses) with the cost of medical professional liability insurance so they can provide locum tenens to rural and urban underserved Kansas communities.

This sponsorship is a reimbursement sponsorship. Applicants must provide a copy of the receipt showing amount paid, and a copy of the certificate of insurance.

Insurance Sponsorship Requirements

1. University of Kansas Medical Center resident physician or fellow.
2. Authorized to work outside the residency/fellowship program and have the program director's approval.
3. Be in good standing with residency/fellowship program, and KCGME/WCGME.
4. Applied to be a Kansas Locum Tenens (KLT) provider. Application online at http://bit.ly/KLTsignup.
5. Meet KLT eligibility requirements and submit required documentation.
   1. Resident Active License and/or full license issued by the Kansas Board of Healing Arts, DEA certificate, medical professional liability insurance, NPI, and additional certifications, including ATLS, which is required for 95% of coverage requests.
      1. KLT providers are required to carry a personal medical professional liability insurance policy in the amount no less than one million dollars per occurrence/three million dollars annual aggregate.
      2. This insurance must be paid initially by the provider. Insurance sponsorship is for reimbursement (up to $1,400) to the KLT provider. Reimbursement is subject to taxes.
   2. Must have finished one year of residency and completed Step 3.
6. Applicants must sign an agreement to complete at least four coverage assignments within a year through the KLT program. If the applicant is graduating off-cycle, four coverages should be completed before graduation.
7. Preference is given to applicants who can complete the required four coverages.
8. Preference is given to applicants who have demonstrated a commitment to serving an underserved population in Kansas.
9. Preference is given to current KLT providers in good standing with the program.
10. Preference is given to KLT providers who have already scheduled KLT coverages.

Selection Process

1. Applications will be reviewed in the order they are received. Complete the Medical Professional Liability Insurance Application.
2. Applicants must meet the Insurance Sponsorship Requirements outlined above.
3. Communication to the applicant will be made to establish available coverage dates and determine if the applicant will be able to complete the required four coverages.
4. Notification will be made 1-2 weeks after all Insurance Sponsorship Requirements are met.
5. If funding is not currently available during the initial application, KLT may "hold" approval until funds are available. KLT providers may provide coverages during this time and those coverages will count toward the requirement.

Policy

1. KLT will award resident physician/fellow Medical Professional Liability Insurance sponsorship based on Insurance Sponsorship Requirements outlined above and available funding. 
2. KLT will reimburse the resident/fellow the amount of the liability insurance, up to $1,400. Reimbursement is subject to taxes.
3. Sponsorship recipients are required to complete at least four coverage assignments through KLT within a year. If the recipient is graduating off-cycle, four coverages should be completed before graduation.
4. If the sponsorship recipient fails to provide the required four KLT coverages before the year timeframe or graduation, the recipient will reimburse the KLT program on a pro-rated system based on the amount awarded for Insurance Sponsorship and the number of coverages not able to complete (example: Sponsorship award for $800. Recipient only covered two (half) of the required four coverages. Recipient will be billed for $400).
5. KLT reserves the right to decline an application.
6. If a resident/fellow is denied insurance coverage, they are not eligible for liability insurance reimbursement sponsorship or the KLT program.