Insurance Coverage

UMass Memorial/UMMS employees/students are covered for professional liability by the UMass Memorial Health Care, Inc, Self Insurance Program for clinical activities when they travel worldwide provided they have approval to do so. However, this professional liability coverage is limited as follows:

Employees and Students are only covered for approved University business or activities during the dates of travel stated in the travel registration form.

  • Medical staff will only be covered for activities approved within their license.
  • Students and trainees will only be covered for activities approved within their level of education and training according to the UMMS curriculum. As of December 12, 2013, medical students are only approved for clinical work appropriate to their education level and under the following conditions:
    • Provision of liability coverage by the host institution, documentation required;
    • Provision of adequate clinical liability coverage by a third party, documentation required.
    • Unless one of these circumstances is met, medical students are not permitted to complete clinical international electives. Students must meet with Dr. Melissa Fischer prior to travel approval to discuss their insurance coverage
  • Any resulting suit/legal litigation must be filed in the United States, its territories and/or Canada. The University coverage does not include coverage for suits bought in other jurisdiction. Hence, please contact the OGH with any questions.

It is the strong recommendation of UMMS that you purchase additional professional liability insurance coverage from the country of destination when you travel out of the United States to ensure proper insurance coverage for any suits/legal litigation brought against you in your country of destination.

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