EGG DONOR RECIPIENT CYCLE LIABILITY INSURANCE
ANSWERS TO FREQUENTLY ASKED QUESTIONS.
Q. Why Do I need this Insurance?
- Insured IVF Fertility Centers and Egg Donor Agency’s transfer unexpected medical expenses incurred from unforeseen Donor and Recipient treatment procedure related medical complications that potentially could result in a claim against the IVF Fertility Center or Egg Donor Agency’s malpractice professional liability insurance.
- Only the treatment cycles that require liability insurance coverage, as determined by the Insured Center or Agency, are scheduled and reported to Beitler Services., thereby not paying for donor or recipients that evidence their own insurance.
- Policy insurance coverage eliminates any concern of verification that the scheduled reported egg donors and/or recipients maintain adequate personal medical insurance.
- Insurance program is easy to administer.
- Policy insurance premium is based on the actual number of scheduled reported cycles.
- Coverage written for either egg donor only or both the donor and recipient.
- Scheduled reported egg donors and recipients are permitted to obtain necessary medical treatment at any qualified medical center.
- All egg donors and recipients that qualify for the IVF Center Fertility Program are eligible for insurance coverage.
Q. Must the Insured IVF Center or Egg Donor Agency report ‘ALL’ of their Program Donor and Recipient Cycles to the Insurance?
A. Only the treatment cycles that require liability insurance coverage, as determined by the Insured Center or Agency, are scheduled and reported to Beitler Services.
Q. How do I report Donor or Donor/Recipient cycles that require coverage to the insurance policy?
A. The Monthly Donor Recipient Report Form [identifying all treatment cycles determined by the Center or Agency that require coverage] is completed by the Insured Center or Agency and submitted to Beitler Services on or before the 10th business day of each subsequent policy calendar month (e.g. donor recipient cycles that started cycle medications in December, 2006 are reported by the 10th business day of January, 2007, and submitted monthly thereafter). In the event that no cycle treatment procedures were started in a particular calendar month, then a Monthly Donor Recipient Report Form stating ‘no cycles’ is required to be submitted by the Insured Center or Agency for audit purposes.
Q. When does coverage begin for the Donor retrieval Recipient transfer cycle?
A. Coverage begins when the Donor and Recipient start their respective synchronized cycle treatment medications.
Q. How is the premium cycle rate for the insurance calculated?
A. Premium cycle rate is negotiated based on: (i.) limit of liability, (ii.) deductible, (iii.) coverage interest (i.e. Donor only ‘or’ Donor / Recipient), (iv.) estimated number of cycles to be declared per annum by the Center or Agency to the policy and (v.) other information represented as submitted in the program application form.
Q. Can I arrange for an individual Donor Recipient cycle to be covered?
A. Yes, coverage for individual Donor / Recipient cycles can be arranged on per case basis, subject to satisfactory acceptance of Beitler Services reporting form.
Q. Is there a minimum # of cycles required to be declared for purchase of an insurance policy?
A. Yes, a minimum of four (4) cycles per policy year, otherwise, the submission of cycles on an individual per case basis is suggested.
Q. In the event that the Donor or Recipient encounters medical complications resulting in a claim to the policy, are there any policy conditions or limitations regarding medically necessary Hospital or Physician Provider services?
A. No, scheduled reported egg donors and recipients are permitted to obtain the necessary medical treatment care from any qualified medical center. The Insured IVF Fertility Center and Donor Agency is encouraged to instruct their participating Donors and Recipients to first contact the treating Reproductive Endocrinologist for guidance if a post retrieval / implantation event of medical complication occurs. It has been the experience of Beitler Services that Admitting Hospitals, in the case of complication, may not fully comprehend the cause for the Egg Donor or Recipient medical condition and that consultation with the treating reproductive endocrinologist in the event of Donor or Recipient post retrieval / implantation medical complication is medically necessary.
Q. I only need to purchase an insurance policy that covers the Donor retrieval procedure. Can I purchase a cycle liability insurance policy that covers only the Donor?
A. Yes, insurance can be purchased to cover the egg donor ‘only’ or egg donor and recipient.
Q. Are alternative Policy terms available for consideration, specifically: (i.) Limits of Liability, (ii.) Deductibles and (iii.) Premium Rates per Cycle?
A. Yes. (i.) Limits of Liability (any one cycle, in the aggregate) up to $250,000 available, alternative limits available: $25,000, $50,000 or $100,000. (ii.) Deductible (per occurrence, any one loss) $0.00 ‘No Deductible’, $1,500 or $2,500. (iii.) Premium Rates per Cycle to be determined.
Q. In the event of a claim to the policy how quickly will the claim be paid?
A. Upon notice of claim, Client Insured must complete and submit a Donor Recipient Program Claim Form (incl. medical notes and medical provider billing statements) to Beitler Services. Claim Form is available for downloading from the Beitler Services website. A claim reference is then immediately advised by Beitler Services to the Client Insured and any additional information requested. All claims are managed and administered directly by Beitler Services. Policy liability is determined by Beitler Services and promptly paid to respective Providers on behalf of Client Insured.
Q. Does the insurance policy automatically renew at expiration of the (12) twelve month period?
A. Unless Client Insured instructs Beitler Services of a request for non-renewal; a policy renewal application, Beitler Services Binder of Insurance and Policy Certificate are issued to the Client Insured 30 days prior to policy expiration.
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